what exactly goes to creditors?

[IamOld]

Deep breath - it looks like Ch 13 filing will be tomorrow.

Much paper!!! :-)

My question is this - what exactly of the Schedules, tax returns, etc., goes to creditors if anything, and what can they request?

In my plan, IRS gets paid back 100% (no complaints here whatsoever), about $4K for mort arrears, plus cars loans arrears - 100%, rest is unsecured (not 100%).

Student loans are HUGE, they'll get some $$ as unsecured from plan payment BUT of course they survive plan and will be paid thereafter - I know this - and I know this is a stupid question, but I'm presuming they know this is as well...in other words, they know this is not a big deal to them, right?

[frogger]

Your creditor is going to get a Notice of Chapter 13 Bankruptcy Case, Meeting of Creditors, & Deadlines, along with an explanation page, and a proof of claim form. They will also receive a copy of your plan.

All of your tax returns and personal information are for the trustee, not the creditors.

Your creditors will also be on the mailing matrix and will receive all of the relevant documentation related to your case, but not your personal information.

Your creditors can also pull most of the documents on Pacer as they are public record.

[IamOld]

Thanks!!!! Reason I ask is that last year I was un and underemployed...not so now, hence Ch 13...

Your creditor is going to get a Notice of Chapter 13 Bankruptcy Case, Meeting of Creditors, & Deadlines, along with an explanation page, and a proof of claim form. All of your tax returns and personal information are for the trustee, not the creditors.

Your creditors will also be on the mailing matrix and will receive all of the relevant documentation related to your case, but not your personal information.

[frogger]

You're welcome, and good luck!

[IamOld]

You're welcome, and good luck!

Thanks again!!!