When you generate your Chapter 13 plan, certain sections are automatically populated with data pulled directly from your case. This article explains exactly how each part of your plan is filled in, so you know how your case information needs to be entered for it to appear in the correct section of your plan.
(These instructions are specific to the Maryland District Plan. If you are looking for a different district, you can search the Help Center for the article related to your plan.)
§ 1.2 – Declaration as to Limiting Secured Claims This section is controlled by whether you have added any claims under § 5.1.
If you have added claims under § 5.1, the plan will reflect that it does not limit the amount of a secured claim.
If you have no claims under § 5.1, the plan will reflect that it limits the amount of a secured claim based on the value of the collateral securing the claim, as set out in §§ 5.1 through 5.4.
§ 1.3 – Declaration as to Avoiding Security Interests This section is controlled by whether you have added any claims under § 5.3.
If you have added claims under § 5.3, the plan will reflect that it does not avoid a security interest or lien.
If you have no claims under § 5.3, the plan will reflect that it avoids a security interest or lien as set out in §§ 5.1 through 5.4.
§ 4.5 – Priority Claims List all priority claims that are not domestic support obligation claims. For each claim, enter the creditor name and the expected claim amount.
§ 4.6.2 – Pre-petition Arrears on Secured Claims List all secured arrearage claims (vehicles and real estate) where the treatment is to pay inside the plan.
If there is an arrears claim on the debtor's residential property, mark the checkbox for Claims Secured by the Debtor's Principal Residence.
If there are arrears claims on any other property, mark the checkbox for and/or Other Property.
For each claim, enter the lienholder, collateral, arrears balance, monthly payment amount, and number of months (calculated by dividing the arrears balance by the monthly payment, rounded up to the nearest whole number).
§ 4.6.3 – Secured Claims Paid Through the Plan List all secured claims where the intent is not to surrender and the treatment is to pay inside the plan. Do not list arrears claims separately. This section includes secured claims altered under §§ 5.1 through 5.5. For each claim, enter the lienholder, collateral, amount, interest rate, monthly payment, and number of months (calculated by dividing the balance by the monthly payment, rounded up to the nearest whole number).
§ 4.6.4 – Surrender Collateral to the Lienholder List all claims where the intent is to surrender the collateral. For each claim, enter the lienholder and a description of the collateral to be surrendered.
§ 4.6.5 – Secured Claims Outside of the Plan List all claims where the treatment is to pay outside the plan. For each claim, enter the lienholder and the collateral to be paid for outside of the plan.
§ 4.7 – Unsecured Claims This section reflects how general unsecured claims will be paid, and whether any unsecured claims receive special treatment.
If the unsecured repayment percentage is 100%, the plan will reflect a 100% payment to unsecured creditors.
If the unsecured repayment percentage is less than 100%, the plan will reflect a Pro Rata payment to unsecured creditors.
If any unsecured claims have special treatment, list each class of unsecured creditors and describe how that class is to be treated.
§ 5.1 – Valuing a Claim or Avoiding a Lien Under § 506 Through the Plan List all secured claims where the claim treatment is cramdown (subject to 11 U.S.C. § 506). For each claim, enter the lienholder, collateral, value, interest rate, monthly payment, and number of months (calculated by dividing the balance by the monthly payment, rounded up to the nearest whole number). Make sure the value of the collateral proposed to be paid through the plan, plus any interest, is also reflected in § 4.6.3.
§ 5.3 – Valuing a Claim or Avoiding a Lien Under § 522(f) Through the Plan List all secured claims where the intent is to avoid the lien. For each claim, enter the lienholder, collateral, value, interest rate, monthly payment, and number of months (calculated by dividing the balance by the monthly payment, rounded up to the nearest whole number). Make sure the value of the collateral proposed to be paid through the plan, plus any interest, is also reflected in § 4.6.3.
§ 5.5 – Claims Excluded from § 506 List all secured claims where the balance is the same as the balance on Schedule D, the intent is not to surrender, and the treatment is to pay inside the plan. These are claims excluded from 11 U.S.C. § 506 — typically purchase money security interests on motor vehicles purchased within 910 days before the petition date, or other personal property purchased within 1 year before the petition date. For each claim, enter the lienholder, collateral, amount to be paid, interest rate, monthly payment, and number of months (calculated by dividing the balance by the monthly payment, rounded up to the nearest whole number). Make sure the amount proposed to be paid through the plan, plus any interest, is also reflected in § 4.6.3.
§ 7 – Executory Contracts and Unexpired Leases List all leases and executory contracts. Do not list lease arrearages as a separate claim. For each entry, enter the lessor or contract holder, the subject of the lease or contract, and mark whether the lease is assumed or rejected.
💡 Note: If you don't see instructions for a specific section, that section likely requires a manual entry. You can enter data directly in the Plan Editor. Check out [this article] for tips on using the editor.