credit union and cross collateral clause No proof of claim

[puggymoo]

I cannot find anywhere in our papers that we have this clause. We voluntarily gave back a fifth wheel and atv(3) 1 loan. we owe the credit union almost 50k in unsecured debt. We still have 2 secured loans and are current on them. We are doing a 100% payback. The only concern is if they do NOT file proof of claim(as of yet) do we still have to pay them if they don't file this.

[Nicollette]

If you did include them in your plan, and they do not file a claim before the bar date, then they will not get any money. They debt will be considered discharged as long as you complete your plan successfully.

[puggymoo]

Thank you for responding. That is what I thought but its stressing the crude out of me. If they don't file then we will be done in less than a year.

[AngelinaCat]

When you surrendered the 5th wheel and atv, did you get receipts for them, showing that you had surrendered them?

[puggymoo]

yes we got a receipt and 3 weeks later we received a deficiency balance notice.