My Chapter 13 Plan is Confirmed, Now What?

So you’ve filed your Chapter 13 bankruptcy and the judge has confirmed the plan. What happens next?

Your plan lays out a repayment arrangement you’ve made with the Court for the next 3-5 years. So if nothing unusual happens, you have commenced your plan payments and will continue to make your plan payments for 3-5 years. Plan payments go to the same place no matter if you live in Hilo or Haena, 1132 Bishop St Ste 301, Honolulu, HI 96813. If your plan payments are being made by wage assignment, make sure to tell your attorney if you change jobs.

Besides the monthly plan payment, you are required to give a copy of your federal and state tax returns (along with any attachments) to the Trustee every year.

Near the end of the plan, the Chapter 13 Trustee will send contact you about missing payments or other missing documents.

Lastly, you will need to sign a DSO Declaration before the close of your case. This forms discloses if you owe a “Domestic Support Obligation” and if it is current. It also discloses if you have taken over $120,000 in a residence exemption.

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