Is there court protection? 

A.  We begin by filing papers, on your behalf, with the Court. This informs the Court of your decision to deal with your debts within the framework of a protection of the Court. The Court informs your creditors that they cannot obtain any payments except through the Chapter 13 program. Once your papers are filed you come under the protection of the court and the court will issue an order preventing your creditor take action against you or your property. 

This protects you from your creditors from writing or calling you to collect debts. They can’t proceed with any collection actions, including repossessions, foreclosures, garnishments, lawsuits, or any other harassment tactics. Now you are in control of your own situation. 

Once the plan is approved by the Court you mail a specified amount of money each month to a Court-appointed trustee. That amount is determined by what you can afford, not what your creditors want. Your unsecured creditors actually have no say in the plan you propose. Their consent is unnecessary. You don’t even have to pay your unsecured creditors interest and finance charges on such obligation.