Q: When does the Chapter 13 payment plan begin, at filing or at confirmation?
I filed CH-13 in July of 2009. My plan consisted of $1193 payments for 60 months. One of the creditors began an adversary proceding against me which delayed the process for two years although payments were made timely according to the plan. The judge ruled in our favor on the adversary and now, after paying $30,000 to the trustee, she has asked us to increase our payments to $3,725 per month for another 60 months. There has been no significant change in income and my attorney did not offer any insight as to why the term would be extended another 60 months other than it would start when the plan is confirmed.
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