![]() What documents should I provide the Trustee? If you have legal questions, you should contact your attorney. The Trustee's office does not provide legal advice. ![]() The Trustee’s office does not provide information to credit bureaus and will not become involved in any disputes you may have with credit bureaus. If a creditor contacts you, if one of your assets is repossessed or foreclosed upon, or if your mortgage company reports that you have fallen behind on payments, contact your attorney, not the Trustee. ![]() The Trustee will not remind you of your payment obligations or negotiate with creditors on your behalf. If you fall behind on your payments, the Trustee will ask the Court to dismiss your case. The Trustee is also responsible for ensuring that you comply with your Chapter 13 Plan after the Court approves it. The Trustee has several responsibilities including reviewing your bankruptcy petition and schedules for completeness and accuracy, reviewing your proposed Chapter 13 Plan to ensure it complies with the bankruptcy law, examining you at the Meeting of Creditors, making sure your case is in order so that a recommendation can be made to the Bankruptcy Court that your Chapter 13 Plan be approved, collecting payments, and distributing those payments to creditors according to the terms of your Chapter 13 Plan. During the three to five year term of your bankruptcy, the Trustee will provide you with an annual report of your Chapter 13 Plan payments, the distribution made by the Trustee to your creditors, and the amount of funds, if any, in the possession of the Trustee. The Chapter 13 Trustee is the person who administers your Chapter 13 Plan. Your Chapter 13 Plan may also require you to make your on-going mortgage payments to the Trustee who in turn will make your monthly mortgage payment to your mortgage creditor. If you are behind on your mortgage payments, your Chapter 13 Plan will require you to make up the delinquent payments. These debts include mortgages, taxes, child support and/or alimony debts, and debts that are secured by personal property, such as a car, furniture or jewelry. Creditors that have claims based upon certain kinds of debts must be specifically named in your Chapter 13 Plan. Simply put, the Chapter 13 Plan states how much you must pay to the Chapter 13 Trustee and to certain secured creditors, and to whom the Chapter 13 Trustee will make disbursements. When you filed your Chapter 13 bankruptcy case, you were required to file a Chapter 13 Plan.
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