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[Music] a confirmation hearing is a hearing that is set up after a chapter 13 bankruptcy now usually there are not any confirmation hearings in a chapter 7 because theres no confirmation process but instead when you follow chapter 13 bankruptcy you propose a payment to the chapter 13 trustee the trust either agrees or disagrees with that payment or negotiates a compromised payment and then the bankruptcy will be placed in front of a bankruptcy judge and the judge will either decide to confirm that bankruptcy plan to deny that confirmation and not agree to your bankruptcy plan and occasionally in our the district that im located in may choose to set a hearing called a confirmation hearing if they have concerns or questions about your bankruptcy so what you do is you then we would discuss the concerns that we think the judge may have ahead of time but you would go to that confirmation hearing and as long as we could explain things in a reasonable way to the judge and the judge can und