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As in a Chapter 7 case, each debtor must attend a "meeting
of creditors" in a Chapter 13 case. Again, this meeting
typically takes about five minutes. At the hearing, the
trustee will ask the debtor some basic questions about
residence and employment, and will review the Chapter
13 Plan for legal sufficiency. About one month after the
meeting of creditors, there is a "confirmation hearing"
before the bankruptcy judge. At that hearing, the judge
will approve or disapprove of the debtor's plan. It is
somewhat rare, however, for a plan to be rejected. If
it is, the debtor is normally given an opportunity to
cure any deficiencies. Any creditor may attend the confirmation
hearing to object to a provision of the plan, if legally
appropriate. In the vast majority of cases, however, neither
the attorney nor the debtor needs to attend the confirmation
hearing, and the case will be automatically approved by
the judge. Once the case is confirmed, a notice is mailed
to the debtor.
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