Pacer claims register less than trustee site

[new2013]

I'm confused!! I've trying to figure out exactly when I'd be finished with my BK. According to the Pacer claims register $70,741 worth of claims were filed. Yet according to the trustee site I'm paying 88,945 to creditors. Can someone please help me understand why the difference and which amount is what I'm actually going to end up paying back? My attorney just tells me to plan on 6 years and don't worry about it.

[justbroke]

There's no way we can tell you what your actual "base plan" amount is going to be. You would need to look at the National Data Center website to see how your plan base is calculated.

First, our District tells people to take the total of the claims and divide it by 0.9. Even with that, your plan would be "at least" $78,600. You probably also have attorney fees which I didn't include. I don't know what else you're paying or if those claims include "interest" which would certainly, and could certainly, get your plan base much higher (depending on the claims and how high the interest payments).

For example, with $5,000 of attorney fees in the plan, your plan base would be $84,156. If there is interest on any of those claims (car, etc), you could certainly get to $88,000 easily over 5 years. Please remember that the Plan Base includes the accumulated index. The Plan Base is the total of allowed unsecured claims + total of secured debt payments (including interest) + attorney fees in plan + Trustee percentage over the plan duration.

I don't know for Illinois, but you should plan on 5 years (60 months) from your FIRST plan payment. Sixty (60) months is the maximum a plan can be by law. It reads as though you are in a 100% plan.