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After confirmation, the debtor begins making payments according to the plan.

Facilitate a fresh financial start for the debtor post-discharge.

Appointment of a trustee by the court to oversee the debtor's case.

Debtor must avoid incurring substantial new debt without court approval.

Officially initiating the Chapter 13 case with the court.

Debtor meets with creditors to answer questions under oath.

Establish a plan that is suitable to the debtor's financial abilities and fair to creditors.

Combine debts into a single repayment plan to simplify financial obligations.

Completion of a credit counseling course prior to filing.

The court evaluates and either confirms or denies the repayment plan.

Use of the automatic stay to prevent creditor harassment and collection activities.

Fulfill all legal obligations throughout the bankruptcy process.

Assessing whether the debtor qualifies for Chapter 13 bankruptcy.

Adjustments to the repayment plan due to changes in the debtor's financial situation.

Aim for the debtor to keep their property while repaying debts under the plan.

Ensure creditors receive as much repayment as is responsibly possible.

Gathering and documenting all financial information for filing.

Proposing a plan for repaying debts over a three-to-five-year period.

Upon successful completion of the repayment plan, certain remaining debts are discharged.