So I have about 18 payments left on my chapter 13 plan, weekly payroll deduction. I can see on the trustees website how much we still owe on the remaining accounts which most are under $200 but our vehicle is right at 3k left. With the remaining payments we will only pay in another $3200 and it shows we still owe $4500. Not a peep from our attorney or the trustee about it, granted I have not asked because I don’t want to move any rocks but what will happen with this? I have a stash set aside if I need to make a lump sum payment if need be but like who is watching this or is supposed to be? I’m just afraid everyday that I will get a notice to dismiss because the plan Is not feasible or something, which I could propose to pay. We paid one amount for 3 months on the original plan proposal and then the trustee upped it by about $20 a week and it’s never changed since the 3rd month.
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Closing in on final 3 months of plan but numbers don’t seem to equal?!
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Are you required to have the car paid off by the end of the BK? We made our payments outside the plan, but the HELOC did not need to be paid off before the end of the BK and if my car hadn't been totaled it would not have been paid off by the end of the BK 13.I am not an expert. I just share my experiences in the Wonderful Wacky World of Chapter 13! Filed 3-30-18 Confirmed 7-11-18 Discharged 6-8-22
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Is this a 100% plan? If so, then it would have to be paid. Also, is the car loan a secured debt? Probably, since it would have been paid off first. If not, and it is not a 100% plan, then it will simply be discharged once the plan is completed. In my case, about $12,000 of my car loan was secured, which has been paid off, and about $9,000 is unsecure debt.
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