Chapter 13 Timeline Calculator
The Chapter 13 Timeline Calculator provided above displays approximate dates for deadlines and events in a Chapter 13 Bankruptcy case. These dates are subject to change by amendments to the U.S. Code, or may vary due to local rules or practices or even due to the specific facts of your case. If you should have any questions, please do not hesitate to call Attorney Matthew Trask at 508.655.5980 to schedule a 1-hour consultation.
For more information regarding the sources of these deadlines and event dates please see the following references:
| Description of Deadline/Event | U.S. Code Reference |
| FRAUDULENT TRANSFERS - The trustee may avoid any transfer if the intent of the transfer was to hinder, delay, or defraud any entity to which the debtor is indebted, or in some instances when the tranfser wasn't for fair value. | 11 U.S.C. § 548(a)(1) |
| INSIDER CREDITOR PREFERENCE - Payments to a creditor who is an insider, such as a relative or business associate, up to 1 year prior to the filing date may be considered a preference. | 11 U.S.C. § 547(b)(4)(B) |
| RESIDENCY REQUIREMENT - Restricted to filing in the state where you have resided, or which has been your principal place of business for the majority of the last 180 days. | 28 USC § 1408 |
| CREDIT COUNSELING COURSE - Must be taken before filing date and up to 180 days prior to filing date. | 11 U.S.C. § 109(h) |
| NON-INSIDER PREFERENCE - Payments to any creditor up to 90 days prior to the filing date may be considered a preference. | 11 U.S.C. § 547(b)(4)(B) |
| LUXURY GOODS - $500 for "luxury goods or services" incurred up to 90 days prior to the filing date is presumed to be non-dischargeable. | 11 U.S.C. § 523(a)(2)(C) |
| CASH ADVANCE - $750 for cash advances incurred up to 70 days prior to the filing date is presumed to be non-dischargeable. | 11 U.S.C. § 523(a)(2)(C) |
| AUTOMATIC STAY - Automatic stay prohibits all collection actions as of filing date. | 11 U.S.C. § 362 |
| FILING CHAPTER 13 PLAN - Debtor shall file a Plan with the petition or within fourteen (14) days thereafter. | 11 U.S.C. § 1321 Fed. R. Bankr. P. 3015 |
| FILING SCHEDULES, STATEMENT, & PAYSTUBS - Case may be dismissed upon Motion of the trustee if schedules, financial statement, and 60 days of paystubs not filed within 15 days of filing date, if requested by trustee. | 11 U.S.C. § 1307(c)(9) |
| FILING TAX RETURN - Case may be dismissed if preceding year's federal tax return not filed with Trustee 7 days prior to 341(a) meeting. | 11 U.S.C. § 521(e)(2)(A) |
| FIRST CHAPTER 13 PLAN PAYMENT - The debtor shall commence making payments not later than 30 days after the date of the filing of the plan or the order for relief, whichever is earlier. | 11 U.S.C. § 1326(a)(1) |
| 341(a) MEETING OF CREDITORS - Approximately 30 days after the filing date, the Trustee shall preside at a meeting of creditors. | 11 U.S.C. § 341 |
| OBJECTIONS TO PLAN - A party in interest may object to confirmation of the plan. An objection to confirmation of a plan shall be filed and served before heaing on the confirmation of the plan. | 11 U.S.C. § 1324(a) Fed. R. Bankr. P. 3015(f) |
| CONFIRMATION OF PLAN - The hearing on confirmation of the plan may be held not earlier than 20 days and not later than 45 days after the date of the meeting of creditors. If no objection is timely filed, the court may determine that the plan has been proposed in good faith without a hearing. | 11 U.S.C. § 1324(B) Fed. R. Bankr. P. 3015(f) |
| PROOF OF CLAIM - Non-Governmental Proofs of Claim must be made within 90 days after the first date set for creditor's meeting. Government Proofs of Claim must be made within 180 days after the filing date. | Fed. R. Bankr. P. 3002(c) |
| FINANCIAL MANAGEMENT COURSE - Must be taken prior to discharge. | 11 U.S.C. § 1328(g)(1) |
| DISCHARGE - As soon as practicable after completion by the debtor of all payments under the plan, the court shall grant the debtor a discharge of all debts provided for by the plan. | 11 U.S.C. § 1328 |
For more information about Chapter 13 Bankruptcy visit our Chapter 13 page or click on one of the questions below:
Frequently Asked Chapter 13 Questions:
What is Chapter 13 Bankruptcy?What is the purpose of a Chapter 13 Bankruptcy filing?
What kinds of debts are not discharged in Chapter 13 Bankruptcy?
Can I File Bankruptcy Even If I Have Filed Before?
Can A Court Deny My Discharge In A Chapter 13 Bankruptcy Case?
Do I Need to Take a Credit Counseling Course Before I Can File for Chapter 13 Bankruptcy?
Do I Need To Be A Resident Of Massachusetts To File For Bankruptcy In Massachusetts?
What Happens Immediately After I File My Chapter 13 Bankruptcy?
What Do I Need To File With My Bankruptcy Petition? Are There Any Deadlines?
What Happens After My Case is Filed? Do I Need to Go to Court?
Can My Creditors Object to the Discharge Of My Debts? Can My Discharge Be Denied?
Under What Circumstances Can Creditors Object to the Discharge of a Debt?
When Will I Receive My Discharge?
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