What happens when a creditor objects?

[whirlwind123]

Hi,
What happens if a creditor puts in an objection in a chapter 13?

[HHM]

Sorry, need more information. It is very difficult to answer "super general" questions or hypothetical questions. Has a creditor actually objected in your case.

But, in general.
A creditor objection creates a contested matter.
If you disagree, you file a response to the objection. If you don't file a response, the creditor wins by default.
If necessary, some limited discovery is done (the taking and receiving of evidence).
At some point, if the issue cannot be settled, then a mini trial is held before the BK judge.

[whirlwind123]

no a creditor has not objected we have not filed yet, probably in another week or so...........I was just curious , most of my major charge accounts and charges are over 18 months old., I just was just curious as to why creditors object? thanks I guess I just want to have everything in order to avoid problems.
Thanks

[BubbaGump]

I went through a 341 meeting, only the state Dept. of Revenue showed up (I think they have a rep there for all the 341 meetings) and made no objection, just cited that which was fact from my state tax return.

The only creditor that tried to "object" got served from the bankruptcy court then proceeded to file a small claims suit against me for the $1800 they were owed. I filed a motion to dismiss in the district court with a motion for contempt for debtor harassment, which is specifically cited in the state's statutes. I won that and got it dismissed with prejudice - they'll still get their percentage of the Chapter 13 plan, instead they just wasted $60 filing a go-nowhere matter in court to try to memorialize in state public record that I'm a financial miscreant.

From what I've heard and read, and experienced, creditors don't show up to the 341 meeting or file an objection unless you've charged up a bunch of stuff like 91 days ago.