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 West Virginia Northern District Plan. If you are looking for a different district, you can search the Help Center for the article related to your plan.)
§ 3.1 – Direct Payments on Secured Debts List any secured claims where the treatment is to pay outside the plan. For each claim, enter the claim number (if known), creditor name, collateral description, current installment payment amount, and estimated number of payments remaining.
§ 3.2 – Cure of Arrearage List any secured arrearage claims where the intent is not to surrender or avoid and the treatment is to pay inside the plan. For each claim, enter the claim number (if known), creditor name, collateral description, and pre-petition arrearage balance.
§ 3.2 – Maintenance of Contractual Installment Payments List the non-arrearage portion of any secured claim that has arrearages, where the intent is not to surrender or avoid and the treatment is to pay inside the plan. For each claim, enter the creditor name, collateral description, current monthly payment, the lesser of payments remaining or plan length, and total to be paid in the plan (monthly payment multiplied by the plan length).
§ 3.3 – Secured Claims Excluded from § 506 List any secured claims where the treatment is Excluded from 11 U.S.C. § 506 (910 Vehicle). For each claim, enter the claim number (if known), creditor name, collateral description, total amount owed including any arrearage, interest rate, 90 days unpaid interest plus principal amount, and total to be paid in the plan.
§ 3.5 – Secured Claims Subject to Valuation List any secured claims where the treatment is Subject to 11 U.S.C. § 506 (Cram down). For each claim, enter the claim number (if known), creditor name, collateral description, total amount owed from Schedule D, debtor's valuation of the collateral, interest rate, 90 days unpaid interest plus principal amount, and total to be paid in the plan.
§ 3.6 – Lien Avoidance List any secured claims where the intent is to avoid the lien. For each claim, enter the claim number (if known), creditor name, collateral description and face value of the lien, estimated remaining lien value, interest rate, 90 days unpaid interest plus principal amount, and total to be paid in the plan.
§ 3.7 – Surrender of Collateral List any secured claims where the intent is to surrender. For each claim, enter the claim number (if known), creditor name, collateral description, amount owed, debtor's valuation or amount secured, indicate whether the treatment is surrender or sale, and time to complete the sale (if applicable).
§ 4.5 – Other Priority Claims — Paid Inside Plan List any priority claims that are not domestic support obligation claims where the treatment is to pay inside the plan. For each claim, enter the claim number (if known), creditor name, type of priority, and amortized balance to be paid in the plan.
§ 4.6 – Other Priority Claims — Paid Directly List any priority claims that are not domestic support obligation claims where the treatment is to pay outside the plan. For each claim, enter the claim number (if known), creditor name, type of priority, monthly payment, and total payments remaining.
§ 5.1 – Direct Payments on Unsecured Debts List any unsecured claims where the treatment is to pay outside the plan. For each claim, enter the claim number (if known), creditor name, type of debt (such as student loan, co-debtor claim, executory contract, or unexpired lease), monthly payment amount, and number of payments remaining.
§ 5.2 – Cure of Unsecured Claim Arrearages List the arrearage portion of any unsecured claim where the treatment is long-term — maintain payments and cure arrearages inside the plan. For each claim, enter the claim number (if known), creditor name, type of debt, and pre-petition arrearage balance.
§ 5.2 – Maintenance of Unsecured Installment Payments List the non-arrearage portion of any unsecured claim where the treatment is long-term — maintain payments and cure arrearages inside the plan. For each claim, enter the creditor name, type of debt, regular monthly payment, the lesser of payments remaining or plan length, and total to be paid in the plan.
§ 6.1 – Assumed Executory Contracts and Leases List any leases where the intent is to assume. For each entry, enter the name of the executory contract or lease holder, description of the leased property or executory contract, and indicate whether payments will be disbursed by the trustee, directly by the debtor, or by a third party.
💡 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.