Chapter 13 Confirmation Order

ORDER CONFIRMING CHAPTER 13 PLAN

Pursuant to 11 U.S.C. Section 1325

UNITED STATES BANKRUPTCY COURT

[DISTRICT NAME]

In re:

[DEBTOR NAME(S)],

Debtor(s).

Case No.: _________________
Chapter: 13

ORDER CONFIRMING CHAPTER 13 PLAN

The Debtor(s)' Chapter 13 Plan dated [PLAN DATE] ("Plan") having come before the Court for confirmation; and the Court having reviewed the Plan, the Debtor(s)' Schedules and Statements, the Chapter 13 Trustee's Report, and any objections filed; and the Court having held a confirmation hearing on [HEARING DATE]; and it appearing that:

I. FINDINGS OF FACT

A. Procedural Requirements

1. The Debtor(s) filed a voluntary petition under Chapter 13 of the Bankruptcy Code on [FILING DATE].

2. The Plan was filed on [PLAN FILING DATE] and served on all creditors as required by Fed. R. Bankr. P. 3015(d).

3. The Section 341 Meeting of Creditors was held on [341 DATE] and concluded.

4. ☐ No objections to confirmation were filed.
   ☐ Objections were filed by [OBJECTING PARTY] and have been resolved/overruled.

5. The Debtor(s) have made all required pre-confirmation payments to the Trustee.

6. The Debtor(s) have filed all required tax returns for the four-year period prior to filing pursuant to 11 U.S.C. Section 1308.

B. Compliance with 11 U.S.C. Section 1325(a)

The Court finds that the Plan satisfies all requirements of 11 U.S.C. Section 1325(a):

7. Section 1325(a)(1): The Plan complies with the provisions of Chapter 13 and with other applicable provisions of the Bankruptcy Code.

8. Section 1325(a)(2): Any required filing fee, or first installment thereof, has been paid.

9. Section 1325(a)(3): The Plan has been proposed in good faith and not by any means forbidden by law.

10. Section 1325(a)(4): The value, as of the effective date of the Plan, of property to be distributed under the Plan on account of each allowed unsecured claim is not less than the amount that would be paid on such claim if the estate of the Debtor(s) were liquidated under Chapter 7. (Best Interests Test)

11. Section 1325(a)(5): With respect to each allowed secured claim provided for by the Plan:
    ☐ The holder of such claim has accepted the Plan; and/or
    ☐ The Plan provides for retention of the lien securing such claim and payment of the allowed secured claim in an amount not less than the value of such claim; and/or
    ☐ The Debtor(s) will surrender the collateral securing such claim.

12. Section 1325(a)(6): The Debtor(s) will be able to make all payments under the Plan and to comply with the Plan. (Feasibility)

13. Section 1325(a)(7): The action of the Debtor(s) in filing the petition was in good faith.

14. Section 1325(a)(8): The Debtor(s) have paid all domestic support obligations that became payable after the petition date.

15. Section 1325(a)(9): The Debtor(s) have filed all applicable federal, state, and local tax returns as required.

C. Compliance with 11 U.S.C. Section 1325(b) (if applicable)

16. ☐ No objection based on disposable income was filed.
    ☐ The Plan provides that all projected disposable income to be received during the applicable commitment period will be applied to make payments under the Plan.

II. PLAN TERMS CONFIRMED

A. Plan Payments

17. The Debtor(s) shall pay to the Chapter 13 Trustee:

☐ Step Plan Payments:
| Months | Payment Amount |
|--------|----------------|
| 1-12 | $_____________ |
| 13-36 | $_____________ |
| 37-60 | $_____________ |

B. Administrative Claims

18. Attorney Fees:
    - Total fees approved: $[AMOUNT]
    - Amount paid pre-confirmation: $[AMOUNT]
    - Balance through plan: $[AMOUNT]
    - Monthly payment: $[AMOUNT]

19. Trustee Compensation: The Trustee shall receive compensation as provided under 28 U.S.C. Section 586(e).

C. Secured Claims

20. The following secured claims shall be treated as set forth in the Plan:

21. Mortgage Claims - Cure of Arrears:

The Debtor(s) shall maintain current post-petition mortgage payments ☐ directly to the creditor ☐ through the Trustee.

22. Claims Subject to 910-Day Rule: The following vehicle claims shall be paid in full:

23. Cram Down Claims: The following secured claims are limited to the value of the collateral:

D. Priority Claims

24. The following priority claims shall be paid in full through the Plan:

E. Unsecured Claims

25. General unsecured creditors shall receive a dividend of approximately _____% of their allowed claims, which is not less than they would receive in a Chapter 7 liquidation.

F. Surrendered Property

26. The Debtor(s) shall surrender the following property to the secured creditor:

III. ORDERS

Based upon the foregoing Findings of Fact, it is hereby:

A. Confirmation

ORDERED that the Debtor(s)' Chapter 13 Plan dated [DATE] is CONFIRMED.

B. Plan Payments

ORDERED that the Debtor(s) shall make all payments to the Chapter 13 Trustee as set forth in the Plan.

C. Wage Deduction Order (if applicable)

ORDERED that the Debtor(s)' employer(s) shall deduct the sum of $[AMOUNT] from the Debtor(s)' wages each pay period and remit such amount to the Chapter 13 Trustee at the address shown below:

[TRUSTEE NAME]
[TRUSTEE ADDRESS]
Case Reference: [CASE NUMBER]

D. Ongoing Obligations

ORDERED that the Debtor(s) shall:

1. Maintain current post-petition payments on all secured debts as provided in the Plan;

2. Maintain required insurance on all secured collateral;

3. Remain current on all post-petition domestic support obligations;

4. File all required tax returns and pay all post-petition taxes when due;

5. Not incur new debt without Trustee or Court approval in excess of $[AMOUNT];

6. Not sell, transfer, or dispose of property outside the ordinary course of business without Court approval;

7. Notify the Trustee and Court of any material change in financial circumstances within 14 days.

E. Vesting of Property

ORDERED that property of the estate shall vest in the Debtor(s):

☐ Upon confirmation of this Plan
☐ Upon entry of discharge and completion of Plan payments

F. Binding Effect

ORDERED that this confirmed Plan is binding on the Debtor(s), the Trustee, and all creditors, whether or not such creditors have filed proofs of claim or accepted the Plan. See 11 U.S.C. Section 1327(a).

G. Lien Retention

ORDERED that except as otherwise provided in the Plan or this Order, the holders of secured claims shall retain their liens until the earlier of:

• Payment of the underlying debt determined under nonbankruptcy law; or
• Entry of discharge under Section 1328.

H. Lien Avoidance (if applicable)

ORDERED that the following liens are avoided as wholly unsecured:

Upon completion of the Plan and entry of discharge, such liens shall be void and of no further effect. The Debtor(s) may record a certified copy of this Order or the Discharge Order to evidence release of such liens.

I. Stay Relief (if applicable)

ORDERED that as to any creditor whose claim is treated by the Plan, the automatic stay remains in effect unless and until modified by further order of this Court.

J. Tax Refunds

ORDERED that:

☐ The Debtor(s) shall turnover to the Trustee all tax refunds in excess of $[AMOUNT] received during the Plan term.

☐ The Debtor(s) may retain all tax refunds received during the Plan term.

K. Trustee Distribution

ORDERED that the Chapter 13 Trustee shall distribute funds in accordance with the Plan and applicable law.

IV. FAILURE TO COMPLY

Non-compliance with the terms of the confirmed Plan or this Order may result in:

1. Dismissal of the case under 11 U.S.C. Section 1307(c);
2. Conversion to Chapter 7 under 11 U.S.C. Section 1307(c);
3. Modification of the automatic stay; and/or
4. Other appropriate relief.

V. SERVICE

The Debtor(s)' attorney shall serve a copy of this Order on all creditors and parties in interest within [7/14] days of entry.

Dated: ____/____/________

_________________________________
United States Bankruptcy Judge

PREPARED BY:

_________________________________
[ATTORNEY NAME]
[STATE BAR NUMBER]
[FIRM NAME]
[ADDRESS]
[TELEPHONE]
[EMAIL]
Attorney for Debtor(s)

CHAPTER 13 TRUSTEE ENDORSEMENT (if required by local rules)

☐ The Chapter 13 Trustee has reviewed this proposed Order and has no objection to its entry.

☐ The Chapter 13 Trustee has the following comments: _________________________

_________________________________
[TRUSTEE NAME]
Chapter 13 Trustee
Date: ____/____/________

Template Version 1.0 - Updated January 2026
References: 11 U.S.C. Sections 1324, 1325, 1327; Fed. R. Bankr. P. 3015, 3020