Eastern District of Missouri Chapter 13 Plan
Contents
1. Headings e Creditor Name is the Creditor Name as entered in the Creditor Information tab e Total Amount Due equals the total amount that will be paid to cure the arrearage including interest paid at the rate you specify in the 13 Plan Treatment tab e Interest Rate represents the interest rate you specify for the arrearage portion of the claim in the 13 Plan Treatment tab 4 Attorney Fees The attorney fees that print in this section of the plan are taken from the balance of unpaid attorney s fees you entered in the claims tab of the Chapter 13 Plan Calculator The number of months will be automatically calculated by the chapter 13 plan calculator 5 A Pre petition arrears on secured claims paid in paragraph 3 Arrearage information for any secured claim listed on Schedule D will print in this section of the plan if the secured portion of the claim is classified as SLTO Secured long term outside plan SLTP Secured long term in plan SFP Secured fixed payment SPR Secured paid prorate or CDP Continuing Debt Payments and the claim includes an arrearage portion greater than 0 00 Plan Headings e Creditor Name is the Creditor Name as entered in the Creditor Information tab e Total Amount Due equals the total amount that will be paid to cure the arrearage including interest paid at the rate you specify in the 13 Plan Treatment tab e Cure Period If the arrearage portion of the claim is classified as ARR Arrearage fixed pa2. rate for an Unsecured Priority 2013 Best Case LLC 1 800 492 8037 www bestcase com 10 creditor you may want to note this in the Other tab in the Chapter 13 Plan Calculator so that it prints in the Other Provisions section of your plan Plan Headings e Creditor Name is the Creditor Name as it was as entered on the Creditor Information tab e Total Amount Due equals the total amount that will be paid to the creditor including interest paid at the rate you specify in the 13 Plan Treatment tab 9 A General Unsecured Claims Claims that have been classified as UGEN Unsecured general nonpriority are handled in this section of the plan Unsecured General Non priority is the most common treatment class for Schedule F claims These claims are paid prorata and are paid after all other claims have been paid The amount that they are paid varies depending on how much the debtor is able to pay into the plan All creditors in this class will have the same percentage of their claims paid For more information about changing the payments to unsecured creditors consult the Chapter 13 Plan Summary Tab section of your user s manual or the help file e Estimated Total Owed The estimated total owed to general unsecured creditors represents the total of all UGEN claims listed on Schedule F plus the non priority portion of all claims listed on Schedule E plus the total of the unsecured portions of all claims listed on Schedule D e Esti
3. retention of secured claims the handling of pledged credit union shares or CDs the revestment of the debtor s property and the payment of post petition claims through the plan No data from Best Case prints in any of these sections Signatures The Date will print as entered in the Print Date on Signature Line field in the options window that appears whenever the form is printed or opened for editing The Debtor and Co Debtor Spouse if applicable will print as entered in the voluntary petition Editing the Plan 1 Custom Chapter 13 plans are provided as RTF rich text format files so that they can easily be edited and saved as needed Mark just the 13 Plan to print in the Forms and Schedules Menu 2 Click the Print button in the toolbar at the top of your screen The Print Documents dialog box appears Mark your printing choices and then click the Edit Form button on the right side of the dialog box 3 The 13 Plan appears on your screen in the Best Case Editor You can add or remove text as needed All editing options are described in the Best Case Editor Options help topic 2013 Best Case LLC 1 800 492 8037 www bestcase com 12 Saving Replacing the Plan with the Best Case Editor When you edit a document in the Best Case Editor you are not actually editing the data record for the debtor as you are when you enter information through Best Case entry screens like the Voluntary Petition window Instead you are editing
4. the Arrearage section on the right side of the 13 Plan Treatment tab If you don t want this claim to appear on the Schedule put a check in the box labeled Do Not Print Total on Sch in the upper right corner of the Creditor Information tab The Exclude from Mailing Matrix checkbox will stop this creditor from appearing in the Matrix Form Preferences Your custom plan includes three special form preferences which allow you to 1 Print the amount available for unsecured creditors from the Liquidation Analysis for the minimum payment to unsecured creditors in the Payments section of the plan instead of the percentage for unsecured creditors from the Summary tab of the 13 calculator with 2 Print the 1325 b income calculation in Section 9 a even if the debtor is below the Median Income 3 Add permanent text to the Other Provisions section of the plan which prints for every Chapter 13 Client To access the Form Preference window 1 Highlight the Chapter 13 Plan on the Forms and Schedules Menu for the client 2 Click Setup Edit Form Preferences 3 Highlight the form preference and click Change 4 Set the form preference to Yes or No or enter your text 5 Click OK to save and then click Close on the next screen to return to the Forms and Schedules Menu How Information You Enter Relates to the Printed Plan Caption The division name for the caption on the first page of the Chapter 13 Plan is taken from th
5. whether or not the claim will extend beyond the life of the plan In addition to the standard Best Case plan classes as described in the Chapter 13 Plan Treatment Treatment Classes topic in your on line help system or the Reference Table of Treatment Classes in The Chapter 13 Plan Section of your User s Guide when you set the jurisdiction file for your client to the Eastern District of Missouri 13 plan rev 01 07 jurisdiction you will also find several custom plan classes to aid in the handling of claims e CDP Continuing Debt Payments is the plan classification you will use for any claim you want to include in Section 3 C of the plan Claims of this class will continue beyond the life of the plan but they will be paid a fixed amount through the plan based on the payment information you enter in the creditor s 13 Plan Treatment tab e ELP Personal property lease payments If the debtor is assuming an executory contract or lease for any personal property and he will be making the lease payments through the plan you can use the ELP Personal property lease payments plan class to list the lease in Section 3 B of the Plan These claims will be paid a fixed amount through the plan based on the payment information you enter in the creditor s 13 Plan Treatment tab Note that if you specify an arrearage amount for any claims classified as ELP the arrearage information for these claims will automatically be included in Section 2 Executory Contract L
6. 325 b 3 and therefore should not complete the entire form In these instances Best Case will leave the1325 b required payment section of the Chapter 13 Plan blank If the debtor is below the median and you want Best Case to print the 1325 b income you must do both of the following 1 Set the Always Print 1325 b calculation for Section 9 A form preference to Yes See Notes about this Custom 13 Plan on page 2 for a complete list of preferences available for this form and instructions on accessing them 2 Open the Means Test Calculator and check the Always Compute DMI check box in the Median tab of the Means Test Calculator Then fill in the remainder of the information required for the Calculation of the Monthly Disposable Income 2013 Best Case LLC 1 800 492 8037 www bestcase com 11 9 B Surrender of Collateral Schedule D creditors classified as SSR Secured surrender property will print in this portion of the plan In lieu of payment a creditor of this class will receive the property that secures its claim The secured portion of the claim is not included in the payment calculations of the Chapter 13 Plan Calculator If there is an unsecured portion it will be treated like other Unsecured General Nonpriority creditors Plan Headings e Creditor is the Creditor Name as it was entered on the Creditor Information tab e Collateral represents the information you entered in the Property Descrip
7. Chapter 13 Plan Calculator e Total w Interest equals the total amount that will be paid on the claim including interest paid at the rate you specify in the 13 Plan Treatment tab for the creditor 5 D Co debtor guaranteed debt paid in equal installments Claims classified as 5DCC 5D Codebtor claim codebtor pays and 5DCT 5D Codebtor claim trustee pays will be included under Section 5 D of your custom plan Use the 5DCC 5D Codebtor claim codebtor pays class if the co debtor is going to be repaying the claim outside of the plan If the claim is to be paid through the plan you can use the 5DCT 5D Codebtor claim trustee pays plan class 5DCT claims are paid in the fixed monthly installment you enter in the creditor s 13 Plan Treatment tab and they will be paid in full by the end of the plan 2013 Best Case LLC 1 800 492 8037 www bestcase com Plan Headings e Creditor Name is the Creditor Name as entered in the Creditor Information tab e Estimated Balance equals the claim that you specified in the Creditor Information tab e Trustee Co Debtor If the claim is classified as 5DCC the word Co Debtor will print in this column If the claim is classified as 5DCT Trustee will print here e Period represents the term length you specified for the secured portion of the claim in the 13 Plan Treatment tab e Interest Rate is the interest rate you specify for the secured portion of the claim in the 13 Plan Treatme
8. a Best Case Bankruptc RI Best Case Custom deba 1 800 492 8037 help bestcase com Eastern District of Missouri Chapter 13 Plan Instructions and Plan Settings January 2014 This custom Chapter 13 Plan is available as an Add On for an additional fee If you have purchased our 7 amp 13 Full or Network package but have not purchased this Add On you will have access to the plan calculator but the plan itself will function in Demo mode To use this plan you will need to install the Eastern District of Missouri 13 plan rev 01 07 MO E ZY jurisdiction If you are upgrading from an earlier version of Best Case Bankruptcy after installing the new jurisdiction you can reselect the jurisdiction in the Voluntary Petition to use this custom plan for existing cases Table of Contents Notes about this Custom 13 PIA sivicsccscccesecasuies etesuseuecetasanesat ete enstane versace rudais iedreen aa darai saat shevsesaansupedasaatneensisdarsaeidnecteecrnd cast How Information You Enter Relates to the Printed Plan Captions sitters Bh eae aa ee Payments e eee Plan Payment Details ccceeeeeeee Tax Refunds and Lump Sum Payment ceeeeee Minimum Payment to Non Priority Unsecured Creditors DISDUFSOMONTS s2iscestecetecece ioe eternan tana eE ANNEN 1 Trustee and Court Fees 2 Executory Contract Lease Arrears 0 ce eee 3 A Post petition real property lease payments 3 B Post petition perso
9. a text document that has information about the debtor filled in for you So that these forms will not take up a large amount of room on your hard drive your changes to these documents are not automatically saved 1 2 To save changes to the plan with the Best Case Editor choose File Save The Save Document in Case window appears By default the name of the form is filled in for you and Replaces Form is marked as the print selection Click the Save to Case button to save the edited form Note that changes that you make to the plan apply to this case only not to all cases Close the Best Case Editor The edited plan will then appear on the Forms and Schedules menu as the Replaced version of the original document To print the plan mark the Replaced plan to print on the Forms and Schedules menu and select your printing options For all printing options see Printing Forms in your User s Guide or Help menu in Best Case Bankruptcy Opening Replaced Documents with the Best Case Editor To open a Replaced plan that was previously saved with the Best Case Editor 1 2 Double click on the Chapter 13 Plan in the Forms and Schedules menu On the next window click the Edit button if you want to edit the plan with the Best Case Editor The plan will then open in the Best Case Editor and you can make additional revisions to the plan as needed If instead you want to return to the Chapter 13 Plan Calculator after savi
10. al monthly payments with interest r EDS 5 C Secured claims subject to modification that this custom entry screen is only visible when you set Claims shall be paid in equal monthly payments with interest 6 Pa of debtor s attorney s fees and any additional attorney fees allowed by the Court x Cancel R Help 2013 Best Case LLC 1 800 492 8037 www bestcase com the jurisdiction for the client file to the Eastern District of Missouri 13 plan rev 01 07 Including Assumed Contract Lease Information on Your Plan Sections 2 3 A and 3 B of your plan list payment information for assumed executory contracts and unexpired leases In order to include this information on your plan you will need to create a dummy creditor for the claim on either Schedule D or F In the Creditor information tab enter the name of the contract lease party In the property description field consideration field type in a description of the collateral the lease secures For the claim amount and market value enter in the total of all payments the debtor will make during the life of the plan plus any arrearage owed In the 13 Plan Treatment tab classify the main portion on the left as ELP Personal property lease payments ELRD Exec Contract Lease paid by debtor or ELRT Exec Contract Lease paid by trustee and enter in the necessary payment information If there is an arrearage that you want to list it in Section 2 enter the information in
11. e jurisdiction name in the jurisdiction section of your Setup Menu Note that if there is a tilde character in your jurisdiction name it will not print on the plan nor will any text following the tilde The debtor names are drawn from the data entered in the Voluntary Petition The case number and the confirmation hearing date time and location are entered in the Case button in the toolbar Payments Plan Payment Details Your custom plan asks you to complete one of three payment options Best Case will fill in one of these options based on the payment information you enter in either the Summary tab of the Chapter 13 Plan Calculator or the Eastern District of Missouri Chapter 13 Plan custom entry screen The first payment option will be filled in if there are no step payments entered in the Chapter 13 Plan Calculator and you have not completed the Plan Payment Section of the Eastern District of Missouri Chapter 13 Plan custom entry screen The payment amount and the plan length will print based on the payment amount and duration you specify in the Chapter 13 Plan Calculator 2013 Best Case LLC 1 800 492 8037 www bestcase com The second payment option will be filled in if you have specified a step plan in the Chapter 13 Plan Calculator and you have not completed the Plan Payment Section of the Eastern District of Missouri Chapter 13 Plan custom entry screen For each step in the plan the payment amount and the number of month
12. ease Arrearages e ELRD Exec Contract Lease paid by debtor and ELRT Exec Contract Lease paid by trustee are the plan classifications you should use if you want to include an assumed contract or lease for real property in Section 3 A of the plan If the debtor is going to continue making the regular lease payments outside of the plan classify the claim as Exec Contract Lease paid by debtor For leases that will be paid through the plan use the Exec Contract Lease paid by trustee plan class ELRT claims will be paid a fixed amount through the plan based on the payment 2013 Best Case LLC 1 800 492 8037 www bestcase com information you enter in the creditor s 13 Plan Treatment tab Note that if you specify an arrearage amount for any claims classified as ELRD or ELRT the arrearage information for these claims will automatically be included in Section 2 Executory Contract Lease Arrearages e 5DCC 5D Codebtor claim codebtor pays and 5DCT 5D Codebtor claim trustee pays claims will be included under Section 5 D of your custom plan Use the 5DCC 5D Codebtor claim codebtor pays class if the co debtor is going to be repaying the claim outside of the plan If the claim is to be paid through the plan you can use the 5DCT 5D Codebtor claim trustee pays plan class 5DCT claims are paid in the fixed monthly installment you specify in the creditor s 13 Plan Treatment tab and they will be paid in full by the end of the plan e U1AC 7A U
13. ee will print here 3 B Post petition personal property lease payments Regular payment information for executory contracts for personal property is listed in this section of the plan If the debtor is going to assume a lease or contract on personal property and will be paying it through the plan you will need to create a dummy creditor for the claim as described in Notes about this Custom 13 Plan on page 2 of these instructions and classify the main portion of the claim as ELP Personal property lease payments in the creditor s 13 Plan Treatment tab ELP claims are paid a fixed amount through the plan based on the payment information you enter in the creditor s 13 Plan Treatment tab Plan Headings e Creditor Name is the Creditor Name as entered in the Creditor Information tab e Monthly Payment equals the fixed payment amount you specify for the claim in the 13 Plan Treatment tab e Est Months Remaining represents the term you entered for the secured portion of the claim in the 13 Plan Treatment tab 3 C Continuing Debt Payments on Real Estate Other Than the Debtor s Residence In order to designate a secured claim as a mortgage claim for real property other than the debtor s residence you must classify it as CDP Continuing Debt Payments Claims of this class will continue beyond the life of the plan but they will be paid a fixed amount through the plan based on the payment information you enter in the creditor s 13 Pla
14. eeseaeseeeeeeaeeeae 12 Disclaimer Regarding Local Chapter 13 Plans Our goal is to make preparation of local Chapter 13 plans as easy as possible As always we welcome any suggestions and feedback you might have It is important to understand that because these local plans vary greatly we sometimes have to resort to methods of entering information that are less straightforward and that require closer attention on the part of the user than other areas of the software Additionally the Chapter 13 plan by its very nature is probably the most complicated document filed in a consumer bankruptcy case and requires detailed legal knowledge Please understand that you must always proofread every plan to ensure that it has printed as expected and that the plan accurately reflects the debtor s intentions This software is far from foolproof It is very possible for an inexperienced user to produce an incomplete or inaccurate plan It is the responsibility of the attorney to review every plan prior to filing it Best Case Solutions technical support staff can advise you on the operation of the software such as how to get a claim to print as you want on the form but the actual decision about how to classify a given claim is a legal question that must be resolved by the responsible attorney The Best Case technical support staff does not and can not dispense legal advice In addition your local trustee can modify or change the Chapter 13 plan requirement
15. ion tab Creditor Form 22 Means Test 13 Plan Treatment Codebtors Add Notice 2 Open the 13 Plan Treatment tab and classify the Classification TEE EES priority portion of the claim as DSO Domestic i Ceased eos anemi aan Amearage paki prorat Support Obligation or DSG Domestic Support Oo MBB fetes in Government J 3 Enter the arrearage amount in the Arrearage ieee on priority Portion 0 00 section of the 13 Plan Treatment tab Piioty Amount Fa agen ese oan Non priority Portion 0 00 4 Classify the arrearage portion of the claim as either Arrearage paid prorata or Arrearage fixed payment gt Newttab oK X Cance P Hep 5 Fill in the Arrearage Interest Rate and the fixed payment information if applicable 6 Click OK to save your changes Eastern District of Missouri Chapter 13 Plan Custom Entry Screen Your plan includes an Eastern Chapter 13 Plan District of Missouri Chapter 13 Plan custom entry i screen which allows you to enter additional information for the Payments section of you plan as well as specifying an EE REE interest rate for Secured Claims listed in Sections 5 B and 5 C of the plan To access this screen pictured below i D Lumpsum payments are not included in this section open the Chapter 13 Plan Calculator and then click the 51B Secured Claims to be paid in full l l MOE 1 3 Plan Info button in the upper right corner Note Claims shall be paid in full in egu
16. mated Amount Available represents the total payments to UGEN creditors through the plan Best Case calculates this number based on the percentage you designate for general non priority claims in the Summary tab of the Chapter 13 Plan Calculator e Estimated Repayment in Chapter 7 The estimated repayment is the amount Available to General Unsecured from the Liquidation tab of the 13 Plan Calculator In short this number represents the amount of the debtor s unsecured property that is left after all secured and priority claims the exempt property and any administrative costs are subtracted from the debtor s total assets For a more complete description of how Best Case calculates the liquidation analysis see the Liquidation Analysis section of you user s manual or the help file e The Amount required to be paid to non priority unsecured creditors as determined by 1325 b calculation represents the debtor s monthly disposable income DMI from line 44 of Form 22C 2 multiplied by the Applicable Commitment Period from line 21 of 22C 1 Best Case automatically fills in this amount based on the information you enter in the Means Test Calculator for Form 22C gt Print the DMI when the Debtor is Below Median Income According to the directions for Form 22C 1 if the Debtor s Annualized Current Monthly Income from either Line 15b or Line 20b is below the Median Income the debtor is not required to determine his disposable income under 1
17. n Treatment tab If there is an arrearage on the claim that you want to pay through the plan you can do so by entering the arrearage amount in the Arrearage Portion section of the 13 Plan Treatment tab and classifying it as ARR Arrearage fixed payment or ARPR Arrearage paid prorata The arrearage will be listed in Section 5 A with detailed information regarding the total amount due cure period and interest rate Plan Headings e Creditor Name is the Creditor Name as entered in the Creditor Information tab e Monthly Payment If the secured portion of the claim is classified as CDP Continuing Debt Payments the monthly payment amount that you enter on the 13 Plan Treatment tab prints here 3 D Post petition mortgage payments on Debtor s residence This section of the plan prints the information for mortgage claims secured by the debtor s residence Any claim classified as SLTO Secured long term outside plan or SLTP Secured long term in plan will print in this section of the plan if you include the word Mortgage in the Nature of Lien field for the creditor SLTO claims will be paid outside the 13 plan and the payments will extend beyond the length of the plan This claim will be printed on the plan with the monthly payment amount that the debtor will be making but will not be included in the Chapter 13 Plan Calculator s computations SLTP claims also extend beyond the life of the plan but they will be paid a fixed amount each mon
18. n of the plan if the claim includes an unsecured portion Specifying an interest rate In the instructions for this section your plan asks you to specify the interest rate at which the creditors listed here will be paid By default Best Case will leave the interest rate blank If you want to specify an interest rate to print here you can do so in the Eastern District of Missouri Chapter 13 Plan custom entry screen as described in Notes about this Custom 13 Plan on page 2 of these instructions Note that the interest rate specified in the custom entry screen will not be applied to claims listed under this section of the plan nor will it affect Chapter 13 Plan calculations The interest paid to claims listed in this section of the plan will be calculated based on the interest rate you set in the 13 Plan Treatment tab for each individual creditor Plan Headings e Creditor is the Creditor Name as entered in the Creditor Information tab e Balance Due equals the claim that you specified in the Creditor Information tab e FMV The fair market value of the property is taken from the Market value of the claim as listed in the Creditor Information tab e Repay Period If the arrearage portion of the claim is classified as SFP the repay period equals the term you entered for the claim in the 13 Plan Treatment tab If the arrearage is classified as SPR the repay period is the total number of months needed to payoff the claim as determined by the
19. nal property lease payments 3 C Continuing Debt Payments on Real Estate Other Than the Debtor s Residence 3 D Post petition mortgage payments on Debtor s residence cece eeeeeeeeeeeeees B Secured Claims to be paid In tlliscssccsevcesiscivesivessecstcsetssenccrivsasccatvceseceagertecacesatesesuctiecestsacecatvaesecetucugisaaecatacvaads PANTEA ANATEL NEEE C Secured Claims subject to modification oo eee eee eee cte eee eeeseeeceeeeeeeeesaeseeseeeseeseaasaeseeseaesaesessagsaesessaasaeseeseaasaeseeseassaeseeseaeeagee D Co debtor guaranteed debt paid in equal installments Additional Attorney Fees cece ce eeeeeeceeeeeeeeeeeeneeeeeaees Unsecured Co debtor guaranteed claim B Assigned DSO Claims eee MO EE aae A E T A E T E ET 9 General Unsecured Claims siosioina ariana araea eieae aaae aa Ata aAA aid atau aaia kaarnan aaie 10 ONNNNDDDAAANNNNARAAAN OODNNOAAAH SIQMAUUICS AEAEE eve nie eee ccdeueesa cde vweniucien E EE E saedauies dain An Arai E EE 11 Editing te Pla essciscsss esos cis ccssecacetessevele cece ci Siete doch est aig edad sas eds cad cts vs cea cotswaadei T E EET 11 Saving Replacing the Plan with the Best Case Editor cssssssscessssscessssessccessssesssensnssessceeseseesscesseseesesesseseesesessesensssesseseaeeees 12 Opening Replaced Documents with the Best Case Editor ccccecceesceeeeeeeeeceeeeeeeeeeeeeaeeeaeecaeeeeaeeeaaeseaeeeaeesaeeseaeeeaeee
20. ng the form with the Best Case Editor double click on the Chapter 13 Plan in the Forms and Schedules menu and then click the Options button on the next window On the next screen type DRAFT in front of the form name and click the Do Not Print button Click OK on the next two screens and then click the Close button Double click on the Chapter 13 Plan on the Forms and Schedules menu to open the calculator If you want to return to your previous DRAFT of the 13 Plan highlight the plan on the Forms and Schedules menu and click the Attach button Click the Edit button to open the plan with the Best Case Editor 2013 Best Case LLC 1 800 492 8037 www bestcase com
21. nsecured claim codebtor pays and U1AT 7A Unsecured claim trustee pays are used for unsecured co debtor guaranteed claims to be included under Section 7 A of the plan The U1AC 7A Unsecured claim codebtor pays class should be used for any unsecured co debtor guarantee claim that will be paid directly to the creditor If the claim is going to be paid through the plan you may want to use the U1AT 7A Unsecured claim trustee pays plan class U1AT claims are paid in full on a pro rata basis They are of payout rank three which means they will be paid after other secured and priority creditors but ahead of other Schedule F claims gt Note For a complete description of how each available Best Case standard plan class works consult the Chapter 13 Plan Treatment Treatment Classes topic in your on line help system or the Reference Table of Treatment Classes in The Chapter 13 Plan Section of your User s Guide Curing Domestic Support Arrearages Through the Plan Generally the debtor will pay post petition domestic support obligations directly to the creditor so the claim amount is not included in plan payment calculations However if the debtor is behind in his payments to one of these creditors you may want to pay the arrearage through the plan If you have a domestic support obligation with an arrearage that you want to pay through the plan 1 Include the arrearage in the Claim amount inthe queer i x creditor informat
22. nt tab 6 Additional Attorney Fees The attorney fees that print in this section of the plan are specified in the Eastern District of Missouri Chapter 13 Plan custom entry screen as described in Notes about this Custom 13 Plan on page 2 of these instructions 7 A Unsecured Co debtor guaranteed claim Claims classified as U1AC 7A Unsecured claim codebtor pays and U1AT 7A Unsecured claim trustee pays will be included under this section of the plan The U1AC 7A Unsecured claim codebtor pays class should be used for any unsecured co debtor guarantee claim that will be paid directly to the creditor If the claim is going to be paid through the plan you can use the U1AT 7A Unsecured claim trustee pays plan class U1AT claims are paid in full on a pro rata basis They are of payout rank three which means they will be paid after other secured and priority creditors but ahead of other Schedule F claims Plan Headings e Creditor Name is the Creditor Name as entered in the Creditor Information tab e Estimated Total Due equals the claim that you specified in the Creditor Information tab e Trustee Co Debtor If the claim is classified as U1AC 7A Codebtor claim codebtor pays the word Co Debtor will print in this column If the claim is classified as U1AT 7A Unsecured claim trustee pays Trustee will print here e Interest Rate is the interest rate you specify for the secured portion of the claim in the 13 Plan Trea
23. rint the dollar amount here For more information about changing the payments to unsecured creditors consult the Chapter 13 Plan Summary Tab section of your user s manual or the help file Disbursements 1 Trustee and Court Fees The filing fee that prints in this section of the plan is taken from the amount you entered for the unpaid filing fees to be paid through the plan in the Claims tab of the Chapter 13 Plan Calculator 2 Executory Contract Lease Arrears If the debtor is curing an arrearage on an assumed executory contract or lease through the plan the arrearage information for the claim will print here In order to list a contract or lease arrearage in this section of the plan you will need to create a dummy creditor for the claim as described in Notes about this Custom 13 Plan on page 2 of these instructions classify the main portion of the claim as ELP Personal property lease payments ELRD Exec Contract Lease paid by debtor or ELRT Exec Contract Lease paid by trustee and specify an arrearage amount for the claim greater than 0 00 Plan Headings e Creditor Name is the Creditor Name as entered in the Creditor Information tab e Total Amount Due equals the total amount that will be paid to cure the arrearage including interest paid at the rate you specify in the 13 Plan Treatment tab e Cure Period If the arrearage portion of the claim is classified as ARR Arrearage fixed payment the cure period equals the term
24. s practices or the format of the plan at any time It is the responsibility of the attorney representing the debtor to ensure that local rules and practices are adhered to Notes about this Custom 13 Plan Attorney s Fees and Filing Fees You can input attorney s fees and filing fees to be paid through the plan in the Claims tab of the Chapter 13 Plan Calculator The attorney s fees will print in Section 4 and the filing fees will appear in Section 1 Trustee and Court Fees Classifying Claims When you are preparing a x Chapter 13 filing in Best Case the creditor entry en Fae Ep Jes E window for each creditor you enter into Schedules D aa EEN E and F includes a 13 Plan Treatment tab In the 13 Si Secu pad pale F e j Secured Amt 2 800 00 I Auto Cale AneatageAmt 0 00 Plan Treatment tab you can assign a treatment class a a a to the creditor which specifies how you want it to be treated under the 13 Plan The treatment class aa eld J determines when the creditor will be paid in relation to a E Unsecured Portion 0 00 Claim Value of Security 2 200 00 other creditors whether the claim will be paid through Summa Less Senorliers O0 l Tern Ussecwed Gensel Nonii E the plan or outside the plan whether it will be paid in teea BORG leee pro rata or fixed installments The treatment class also Ne nce jel determines under which section of the plan the claim pe T ER information will print and
25. s will print based on the payment amounts and durations you specify in the Chapter 13 Plan Calculator To fill out the third payment option click on the MOE 13 Plan Info button in the top right corner of the Chapter 13 Plan Calculator In the Eastern District of Missouri Chapter 13 Plan screen that opens by selecting the radio button Enter Payment Plan you can modify the plan payment and duration for both steps as well as the start date for the second step Note If you fill in the data for the third payment option in the custom entry screen it overrides the first two options and Best Case will automatically fill out the third payment option on the plan even if a different plan payment duration or step method is specified in the Chapter 13 Plan Calculator Tax Refunds and Lump Sum Payments If your plan payment schedule includes any lump sum payments then the amounts and the month numbers of the payments will print here based on the information you specify in the Chapter 13 Plan Calculator Minimum Payment to Non Priority Unsecured Creditors Best Case automatically fills in the minimum payment information based on the percentage you specify for unsecured non priority claims in the Summary Tab of the Chapter 13 Plan Calculator If these creditors are to be paid in full then Best Case will print 100 here If these claims will not be paid in full then Best Case will calculate the total payments these creditors will receive and p
26. st rate blank If you want to specify an interest rate to print here you can do so in the Eastern District of Missouri Chapter 13 Plan custom entry screen as described in Notes about this Custom 13 Plan on page 2 of these instructions Note that the interest rate specified in the custom entry screen will not be applied to claims listed under this section of the plan nor will it affect Chapter 13 Plan calculations The interest paid to claims listed in this section of the plan will be calculated based on the interest rate you set in the 13 Plan Treatment tab for each individual creditor Plan Headings e Creditor is the Creditor Name as entered in the Creditor Information tab e Estimated Balance Due equals the secured portion of the claim that you specified in the 13 Plan Treatment tab e Repay Period If the secured portion of the claim is classified as SFP the repay period equals the term you entered for the claim in the 13 Plan Treatment tab If the secured portion is classified as SPR the repay period is the total number of months needed to payoff the claim as determined by the Chapter 13 Plan Calculator e Total w Interest equals the total amount that will be paid on the claim including interest paid at the rate you specify in the 13 Plan Treatment tab for the creditor 5 C Secured Claims subject to modification Any claim classified as SFP Secured fixed payment or SPR Secured paid prorata will be listed under this sectio
27. th through the plan which you will specify in the 13 Plan Treatment tab for each claim If there is an arrearage on the claim that you want to pay through the plan you can do so by entering the arrearage amount in the Arrearage Portion section of the 13 Plan Treatment tab and classifying it as ARR Arrearage fixed payment or ARPR Arrearage paid prorata 2013 Best Case LLC 1 800 492 8037 www bestcase com Plan Headings e Creditor Name is the Creditor Name as entered in the Creditor Information tab e Monthly Payment equals the fixed payment amount you specify for the claim in the 13 Plan Treatment tab e By Debtor Trustee If the claim is classified as SLTO the word Debtor will print in this column If the claim is classified as SLTP Trustee will print here 3 E DSO claims in equal installments This section of the plan lists the arrearage information for priority domestic support obligations included in the debtor s petition Any claim for which the priority portion has been classified as DSO Domestic Support Obligation will be included here Note that DSO claims are not included in the plan payment calculations so if you want to include an arrearage owed to the creditor in the plan payments you will need to specify a separate treatment for the arrearage portion in the creditor s 13 Plan Treatment tab See page 2 for more information on how to include a domestic support arrearage in the plan payments Plan
28. tion field of the Creditor Information tab 9 C Rejected Executory Contracts Leases Creditor information for any rejected lease or contract will print here if you select reject as the debtor s intention in the Schedule G Contract Lease data entry screen Plan Headings e Creditor is the Creditor Name as it was as entered on the Creditor Information tab e Contract Lease represents the information you entered in the Description of Contract or Lease field of the Schedule G data entry screen 10 Other e lf aclaim is classified as Secured avoid lien SAL the name of the creditor will print here followed by the language Debtor s intend to avoid lien under 522 f 1 or 522 f 2 e Comments that you type in the Other tab in the Chapter 13 Plan Calculator will also appear in this section Be sure you have included any comments about creditors that will be treated differently than the directions in the plan indicate There is also a Chapter 13 Plan Form Preference that allows you to permanently add text to this section To access the form preference 1 Highlight the Chapter 13 Plan on the Forms and Schedules Menu for the client 2 Click Setup Edit Form Preferences 3 Highlight the form preference Permanent Other Provisions Text and click Change 4 Add your text and click OK to save 5 Click Close on the next screen 11 14 General Plan Provisions Sections 11 14 of you custom plan outlines general rules for the
29. tment tab 7 B Assigned DSO Claims This section of the plan lists the arrearage information for any priority domestic support obligations assigned to or recoverable by a governmental unit Any claim for which the priority portion has been classified as DSG Domestic Support Government will be included here Note that DSG claims are not included in the plan payment calculations so if you want to include an arrearage owed to the creditor in the plan payments you will need to specify a separate treatment for the arrearage portion in the creditor s 13 Plan Treatment tab See page 2 for more information on how to include a domestic support arrearage in the plan payments Plan Headings e Creditor is the Creditor Name as entered in the Creditor Information tab e Total Due equals the Claim Amount as entered in the Creditor Information tab e Total Amount Paid By Trustee equals the total amount that will be paid to the creditor including interest paid at the rate you specify in the 13 Plan Treatment tab 8 Priority Claims All claims classified as UPR Unsecured Priority will print in this section of the plan These are generally Schedule E claims Creditors of this class will be paid on a pro rata basis and they will receive the full value of their claim plus any interest you specify in the 13 Plan treatment tab Note that the Interest rates for these claims are not included in this section of the plan If you are specifying an interest
30. yment the cure period equals the term you entered for the arrearage in the 13 Plan Treatment tab If the arrearage is classified as ARPR Arrearage paid prorata the cure period is the total number of months needed to repay the arrearage claim as computed by the Chapter 13 Plan Calculator e Interest Rate represents the interest rate you specify for the arrearage portion of the claim in the 13 Plan Treatment tab 5 B Secured Claims to be paid in full Claims classified as SFP Secured fixed payment or SPR Secured paid prorata will be listed under this section of the plan if there is no unsecured portion specified in the creditor s 13 Plan Treatment tab Claims classified as SFP and SPR will be paid in full up to the secured amount listed on the 13 Plan Treatment tab If you have a claim that includes an unsecured portion but you want to include it in this section of the plan simply check the Pay Full Claim as Secured checkbox in the creditor s 13 Plan Treatment tab When you check this 2013 Best Case LLC 1 800 492 8037 www bestcase com box the unsecured portion of the claim is automatically added back to the secured claim amount and the Chapter 13 Plan Calculator pays the claim in full when it calculates the plan payments Specifying an interest rate In the instructions for this section your plan asks you to specify the interest rate at which the creditors listed here will be paid By default Best Case will leave the intere
31. you entered for the arrearage in the 13 Plan Treatment tab If the arrearage is classified as ARPR Arrearage paid prorata the cure period is the total number of months needed to repay the arrearage claim as computed by the Chapter 13 Plan Calculator 3 A Post petition real property lease payments Regular payment information for executory contracts for real property is listed in this section of the plan If the debtor is going to assume a lease or contract on real property you will need to create a dummy creditor for the claim as described in Notes about this Custom 13 Plan on page 2 of these instructions and classify the main portion of the claim as ELRD Exec Contract Lease paid by debtor or ELRT Exec Contract Lease paid by trustee in the creditors 13 Plan Treatment tab ELRT claims will be paid a fixed amount through the plan while 2013 Best Case LLC 1 800 492 8037 www bestcase com ELRD claims will be paid directly to the contract or lease holder and will not be included in the plan payment calculations Plan Headings e Creditor Name is the Creditor Name as entered in the Creditor Information tab e Monthly Payment equals the fixed payment amount you specify for the claim in the 13 Plan Treatment tab e By Debtor Trustee If the claim is classified as ELRD Exec Contract Lease paid by debtor the word Debtor will print in this column If the claim is classified as ELRT Exec Contract Lease paid by trustee Trust
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