Revised Model Chapter 13 Plan Effective September 1, 2019

The United States Bankruptcy Court for the Middle District of Florida has announced a revised Model Chapter 13 Plan effective September 1, 2019.

The Middle District of Florida’s Model Chapter 13 Plan has been revised, effective September 1, 2019. The revised Model Plan more clearly informs debtors that if they elect certain plan treatments of secured claims, they will not receive a discharge of those claims. See Sections C.(5)(a), (b), (c), (h), (i), and (k), and Sections 6.(a) and (b). In addition, Sections 5.(a) and (b) clarify that debtors may cure arrearages on homeowner’s and condominium assessments and may, but need not, include the payment of post-petition assessments in their plan payments. The revised Model Plan also includes several non-substantive revisions.

Download the revised model plan.

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Under the recently passed CARES Act, Chapter 13 debtors experiencing “material financial hardship” due to the Covid-19 pandemic may modify their confirmed plan to 84 months. Please note: only plans confirmed “prior to the enactment of this subsection” qualify. We...