Confirmation
What is Confirmation? This is a common question that my clients ask when they receive a notice in the mail about hearings that are coming up. The confirmation hearing is a process of a Chapter 13 bankruptcy. The confirmation hearing takes place about a month after the meeting of creditors. The purpose of this hearing is to allow creditors to file objections to the way they are being treated in your preliminary plan. If they file an objection, then we resolve it via letter agreement to their terms. Of course we contact the clients first to make sure that they are in agreement with it. If the creditors do not object, then they will get the treatment that we have listed on the preliminary plan.
This is also the time for the trustee to review your case to see if you are able to make your trustee payments based on the income and monthly expenses that you provided. If there are no objections at all, then that means that your case will be confirmed on the face of the preliminary plan that was filed with the courts. If the plan is confirmed with changes, this means that we have some agreements that we have to have reflected on the confirmation order when it is entered.
Debtors do not have to attend these hearings unless instructed by their attorney’s office. Confirmation is a good thing and it is what you want to be able to move on in your case. If you have any questions about the process, check with your attorney’s office.
