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What is a confirmation hearing in Chapter 13 bankruptcy?

Two of the most common types of bankruptcy are Chapter 7 and Chapter 13. Generally speaking, people are more familiar with Chapter 7 bankruptcy, in which a filer's assets are sold and liquidated in order to pay off debts. This is what most people think of when they think of bankruptcy, but Chapter 13 is a different option that allows people to come up with a repayment plan in order to pay off their debts over the next few years.

There are many differences between Chapter 13 bankruptcy and Chapter 7 bankruptcy, but one of the largest differences is the inclusion of a confirmation hearing for those who file Chapter 13 bankruptcy. This hearing involves a judge determining whether or not a proposed repayment plan will be allowed, and whether or not the creditors of the person filing will agree to the judge's confirmation.

The good news about a confirmation hearing is that it does not require much from a creditor. It is mainly a matter to be settled between the bankruptcy judge and the creditors, but the implications of the hearing can mean a great deal for the person filing. If a bankruptcy judge rejects the repayment plan, or if the judge confirms the plan but the plan is objected to by creditors, then a new repayment plan will likely have to be proposed.

If you live in Texas and you are considering Chapter 13 bankruptcy, it is highly recommended that you meet with a bankruptcy attorney. An attorney can help ensure that a reasonable repayment plan is proposed that is acceptable to you, the judge and your creditors. This will not only ensure that you do not have to change your filing to a Chapter 7 bankruptcy but also help your bankruptcy process to begin faster and move more smoothly.

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