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when a debtor files for chapter 13 bankruptcy a proposed payment plan is presented and the chapter 13 trustee and creditors will review the plan to determine if theres anything they need to object to so what happens when there is an objection sometimes theres a simple issue that just needs to be worked out such as providing an additional document like a tax return or a vehicle title or an amendment or modification to the plan as needed the chapter 13 trustee will review the proposed payment plan to ensure that the plan payments will cover everything that needs to be paid and that all procedural rules are being followed in the plan it is common for a chapter 13 trustee to file a motion to deny confirmation of the plan to identify an issue to be resolved if theres disagreement the issue will come before a judge to be resolved after a case gets approved initially called a confirmation new issues can require an amended plan creditors such as mortgage lenders vehicle lenders the irs and