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Chapter 13 Bankruptcy Information

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CHAPTER 13 BANKRUPTCY INFORMATION

This Chapter 13 Bankruptcy Information Sheet is prepared by and between Debtor Name: and Co-Debtor Name: for the attention of Attorney Name: of Firm: .

RECITALS

WHEREAS, Debtor intends to file a petition for relief under Chapter 13 of the United States Bankruptcy Code and seeks to provide full and accurate information necessary to prepare the petition, schedules, and plan; and

WHEREAS, Attorney will rely upon the information provided herein to prepare filings and to advise Debtor with respect to the Chapter 13 case; and

WHEREAS, the parties desire to record the pertinent case data, financial disclosures and certifications required to proceed with the Chapter 13 filing.

NOW, THEREFORE, in consideration of the mutual covenants contained herein, the parties agree as follows:

1. CASE IDENTIFICATION

Case Number: Court / District: Filing Date:

2. CLIENT CONTACT AND IDENTIFYING INFORMATION

3. TRUSTEE AND PLAN PARAMETERS

Chapter: Trustee Name:

4. ASSETS AND LIABILITIES

5. INCOME, EXPENSES AND BUDGET

6. PLAN TREATMENT AND PRIORITIES

The proposed plan will provide for payment to secured creditors, priority claims and allowed unsecured claims pursuant to the Bankruptcy Code. Debtor proposes plan payment of per month for a term of months.

7. DISCLOSURES, CERTIFICATIONS AND AUTHORIZATIONS

Debtor certifies under penalty of perjury that the information provided in this Information Sheet is true, correct and complete to the best of Debtor's knowledge. Debtor acknowledges that false statements in connection with a bankruptcy filing may constitute perjury and may subject Debtor to criminal and civil penalties.

Debtor authorizes Attorney to obtain and review credit reports, payroll records, tax returns, and other documentation reasonably necessary to prepare the petition, schedules and plan, and to communicate with creditors and the Chapter 13 trustee for the purposes of case administration.

Pre-filing credit counseling completed: Post-filing debtor education required:

8. NOTICES

All notices, demands and other communications required or permitted under this Information Sheet shall be in writing and shall be delivered to the addresses set forth herein. Notice to Debtor at the primary address provided shall be sufficient for all case-related communications.

9. GOVERNING LAW

This Information Sheet shall be governed by and construed in accordance with the laws of the state in which the bankruptcy case is filed, except to the extent that federal bankruptcy law governs the subject matter, in which case federal law shall control.

10. ENTIRE AGREEMENT; SEVERABILITY

This Information Sheet contains the complete and final record of the financial and case information provided by Debtor for purposes of the Chapter 13 filing. Any prior oral or written statements concerning such information are superseded by this document. If any provision hereof is held invalid, illegal or unenforceable, such provision shall be struck and the remaining provisions shall remain in full force and effect.

11. AMENDMENTS; WAIVER; COUNTERPARTS

Any amendment to the information contained herein must be made in writing signed by Debtor and Attorney. Failure by any party to enforce any provision shall not constitute a waiver of that provision or any other provision. This Information Sheet may be executed in counterparts, each of which shall be deemed an original.

12. ACKNOWLEDGMENT

Debtor acknowledges receipt of a copy of this completed Information Sheet and understands that Attorney will rely upon the representations made herein in preparing the Chapter 13 petition, schedules and plan. Debtor agrees to provide supplementary documentation promptly upon request.

Debtor - Printed Name:

By:

Date:

Attorney - Printed Name:

By:

Date:

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What Chapter 13 Bankruptcy Information Covers

Chapter 13 Bankruptcy Information documents summarize a debtor's proposed repayment plan, income, assets, secured and unsecured debts, and required disclosures submitted to the bankruptcy court. The package commonly contains the Chapter 13 plan, schedules of assets and liabilities, a statement of current monthly income, proof of income and expenses, and supporting declarations. Courts and trustees use this record to evaluate plan feasibility, calculate disposable income, and determine creditor treatment. Accurate, complete disclosures help streamline the confirmation process and reduce objections from trustees or creditors.

Why Clear Chapter 13 Information Matters

Complete Chapter 13 Bankruptcy Information helps the court, trustee, and creditors evaluate the repayment plan, speeds review, and reduces the risk of dismissal or plan objection by providing a clear financial snapshot and reliable calculations.

Why Clear Chapter 13 Information Matters

Who Prepares and Reviews This Information

Typical users include debtors, bankruptcy attorneys, chapter 13 trustees, mortgage and unsecured creditors, servicers, and third-party administrators.

  • Debtors preparing schedules and a plan for court filing and trustee review.
  • Bankruptcy attorneys drafting accurate disclosures, calculating disposable income, and advising clients on plan options.
  • Trustees and creditors reviewing plan feasibility, projected payments, and priority claims.

Properly assembled Chapter 13 Bankruptcy Information reduces procedural delays, lowers the incidence of objections, and improves the likelihood of timely plan confirmation.

Security and Compliance Considerations

Encryption: TLS 1.2/1.3 in transit; AES-256 at rest
Certifications: SOC 2 Type II and ISO 27001 available
HIPAA: BAA required when PHI is included
ESIGN / UETA: Electronic signatures recognized under federal and state law
Audit Trail: Detailed timestamps, IP addresses, and action logs
Access Controls: Role-based permissions and multi-factor authentication

Risks and Consequences of Incorrect Information

Case Dismissal: Court may dismiss the bankruptcy case
Loss of Discharge: Errors can jeopardize discharge eligibility
Perjury Exposure: False statements may carry criminal penalties
Trustee Objections: Plan confirmation may be denied or delayed
Creditor Claims: Undisclosed debts may remain collectible
Fee Sanctions: Court can impose fines or sanctions

Common Preparation Errors to Avoid

  • Incomplete asset schedules that omit bank accounts, retirement accounts, or recent transfers cause trustee inquiries and may trigger objections or valuation disputes.
  • Incorrect income calculations that ignore non-exempt allowances or intermittent income often lead to recalculated disposable income and plan adjustment requirements.
  • Missing or mismatched creditor addresses result in defective service, delayed ballots, or rejected proofs of claim that complicate confirmation.
  • Providing unsigned or undated plan documents creates procedural defects that the trustee or court will flag before confirmation can proceed.

Real-World Scenarios Where Chapter 13 Information Is Used

These examples illustrate typical Chapter 13 workflows and how accurate documentation affects outcomes for debtors, trustees, and creditors.

Debtor with Regular Paycheck

A salaried debtor compiles schedules and proof of income

  • Trustee reviews disposable income calculation
  • Clear pay stubs and a consistent budget allowed the court to confirm a five-year plan with minimal objections, reducing administrative delays and avoiding amendments.

Small Business Owner

An owner lists mixed personal and business accounts

  • Creditor claims and priority tax debts are identified
  • Proper documentation and creditor notice resolved priority disputes, preserved business operations, and enabled a viable plan that satisfied secured creditors.

Step-by-Step: Completing Chapter 13 Bankruptcy Information

Follow these core steps to assemble a complete Chapter 13 submission that the trustee and court can evaluate efficiently.

  • 01
    Gather Documents: Collect tax returns, pay stubs, bank statements
  • 02
    Prepare Schedules: List assets, liabilities, and monthly expenses
  • 03
    Draft Plan: Specify payment amounts, duration, and creditor classes
  • 04
    File Petition: Submit to the clerk and serve required parties

Where to File and Who Receives Copies

This outlines common routing: the court filing, trustee review, and creditor notification steps for Chapter 13 submissions.

  • Clerk of Court: File petition and plan with local bankruptcy clerk
  • Chapter 13 Trustee: Trustee receives schedules and evaluates feasibility
  • Creditors: Notice and copies sent to listed creditors
  • Court Docket: Signed documents become part of public record

Digital Workflow Setup for eFiling and eSubmission

Configure an electronic workflow to prepare, sign, and submit Chapter 13 documents while preserving a complete audit trail.

Action Configuration
Upload Format PDF/A preferred for court filings
Authentication Email or SMS code for signer identity
Signing Method Audit-trail eSignature with timestamp
Delivery Send signed copies to trustee and clerk

Technical Needs for Electronic Signing and Sharing

Choose a platform that supports secure PDFs, audit trails, and flexible signer authentication compatible with court and trustee expectations.

  • File Types: PDF, DOCX accepted for drafting
  • Integrations: Works with Google Drive and NetSuite
  • Authentication: Email links, SMS codes, and SSO

Verify local court e-filing rules and the trustee's preferred submission method before relying solely on digital delivery; maintain printable copies for in-person or legacy requirements.

Key Timing and Deadlines to Expect

Timelines vary by district, but these are common deadlines and recurring events in a Chapter 13 case to track carefully.

341 Meeting Timing:

Typically occurs within 21–40 days after filing

Plan Payment Start:

Payments usually begin within 30–60 days of filing

Confirmation Hearing:

Scheduled after trustee review and creditor objections

Claims Bar Date:

Court sets deadline for creditor proofs of claim

Amendment Window:

Amendments should be filed promptly to avoid objections

Essential Components of Professional Chapter 13 Submissions

A professional packet presents clear schedules, a well-drafted plan, supporting proofs, and a signed declaration to minimize trustee review time.

Schedules

Detailed asset and liability listings with accurate valuations, account numbers, and creditor contact information

Plan Document

Clear payment structure, duration, priority repayment terms, and treatment of secured versus unsecured creditors

Income Proof

Recent pay stubs, employer letters, or business profit statements matching schedule entries

Expense Worksheets

Itemized monthly living expenses substantiated by receipts or standard allowable schedules

Declarations

Signed statements attesting to accuracy and disclosure of transfers, liens, and exemptions

Proofs of Claim

Prepared or tracked creditor claims with accurate payoff figures and lien descriptions

eSignature Pricing Comparison for Document Preparation and Signing

The table compares typical vendor starting prices and feature availability relevant to signing Chapter 13 documents; signNow is listed first per vendor order rules.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial Varies by vendor Varies by vendor Varies by vendor Varies by vendor
Bulk Send Yes Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No
Envelope Cap No cap 100 envelopes/user/year Varies by plan Varies by plan Varies by plan

Frequently Asked Questions About Chapter 13 Bankruptcy Information

Answers to common procedural and document questions to help avoid preparation pitfalls and trustee objections during a Chapter 13 case.


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