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Frequently Asked Questions The 13 most commonly asked questions in Chapter 13 (click on questions for answers) 1) I understand I must make a payment each month to the Trustee. How do I do that? 2) Who is the Trustee anyway? 3) My Plan and confirmation order says I must send copies of my tax returns and any tax refunds to the Trustee while I'm in Chapter 13. Does the Trustee really want these? 4) My confirmation order also says that I must report to the Trustee if my actual or projected gross income goes up 10%...could you explain that? And what if I take money from my retirement fund or get extra money that’s not from my job? 5) Do I have to list all my creditors on my papers? For example, my parents loaned me some money before the bankruptcy. I didn't want to list them because I am embarrassed and don't want them to know this Chapter 13 is happening. 6) O.K. ...I added my parents and a couple other creditors I had forgotten on my bankruptcy papers. But this collection agency that I listed keeps calling and threatens to garnish my wages. I thought this would all stop when I filed. What can I do? 7) What happens if I miss payments to the Trustee because of an emergency? 8) May I incur credit during my Chapter 13? What if my car breaks down and I need a new one...? 9) My spouse and I have been talking about selling our house and buying another while we are in our Chapter 13. Is there anything special we must do? 10) How can I find out how my plan is progressing? 11) My attorney said my plan payments would last for at least 36 months. When should I stop making payments? 12) May I make larger payments to the Trustee and complete my case early? 13) Well, I'm about to make my last payment. I heard that now I get a discharge. What does that mean and how long does it take?