If all creditors are paid in full or the means test dictates less money paid to creditors, then a Chapter 13 plan can be less than three years. One approach is to attack the claims filed by debt buyers who cannot prove ownership of their claims. It is possible to have a short plan if these objections are successful. This is how you may end up with a short Chapter 13 bankruptcy plan.
Bankruptcy FAQ – Frequently Asked Questions
by Alex Wathen, Board Certified Consumer Bankruptcy Law – Texas Board of Legal Specialization
