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Chapter 13 Plan Form United States Bankruptcy Court for the

Chapter 13 Plan Form United States Bankruptcy Court for the

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ladies and gentlemen my name is Ross W Crum I am the chief judge of the United States Bankruptcy Court for the Western District of Virginia there are two other judges in the Western District Bankruptcy Judge William E Anderson who sits in Danville Lynchburg and Charlottesville and Judge William F Stone Jr who sits in Roanoke Abington and Big Stone Gap one of us is assigned at the responsibility to determine the confirmation of your proposed chapter 13 plan my purpose here today is to review with you your responsibilities as a chapter 13 debtor so that you will achieve confirmation and then successfully complete your plan the first thing I want to talk to you about is just generally an overview of chapter 13 you have decided to use chapter 13 to pay your creditors the debts that you owe your plan will run anywhere from 36 to 60 months to pay your creditors you will use the excess of your monthly income over your estimated monthly expenses to fund the plan your repayment plan will permit

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