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Do I Have To Appear In Court? As in a Chapter 7 case, each debtor must attend a "meeting of creditors" in a Chapter 13 case. Again, this meeting typically takes about five minutes. At the hearing, the trustee will ask the debtor some basic questions about residence and employment, and will review the Chapter 13 Plan for legal sufficiency. About one month after the meeting of creditors, there is a "confirmation hearing" before the bankruptcy judge. At that hearing, the judge will approve or disapprove of the debtor's plan. It is somewhat rare, however, for a plan to be rejected. If it is, the debtor is normally given an opportunity to cure any deficiencies. Any creditor may attend the confirmation hearing to object to a provision of the plan, if legally appropriate. In the vast majority of cases, however, neither the attorney nor the debtor needs to attend the confirmation hearing, and the case will be automatically approved by the judge. Once the case is confirmed, a notice is mailed to the debtor. |
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