answered on Apr 2, 2018
You have to include all debts including personal unsecured loans. If they are truly unsecured they will either be discharged (in a Ch. 7) or paid as unsecured (in a Ch. 13).
Saying it might be dismissed because debtors plan will exceed 60 mo. by 4 mo. They already signed off on it several months ago! Why is this when it was their error?
answered on Apr 2, 2018
It is not the trustee's error. Claims sometimes come in higher than expected or sometimes they are amended. Also, if your husband missed a payment or only paid a partial payment, then the term could exceed 60 months. Chapter 13 is a giant math problem and the trustee's system spits... View More 
answered on Apr 2, 2018
The secured creditor's failure to file a proof of claim does not eliminate the lien filed in your state clerk's records. If the secured lender does not file a proof of claim it will not participate in the Chapter 13 distributions but its lien and right to collect remain and will survive... View More
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