CHAPTER 13 | CONTESTED CONFIRMATION | DISCHARGE ON PLAN COMPLETION | 2021–2026
Represented an individual debtor in a Chapter 13 case (Case No. 21-40016) in the U.S. Bankruptcy Court for the Northern District of California, Oakland Division. The debtor sought bankruptcy protection to stop aggressive creditor harassment, with scheduled debt of approximately $373,646 in secured obligations and $221,986 in general unsecured debt. The same creditor whose conduct had driven the filing then objected to confirmation of the debtor’s proposed plan on bad-faith grounds under 11 U.S.C. § 1325(a)(3) and § 1325(a)(7), which require that both the plan and the petition be proposed in good faith.
After a contested confirmation hearing, the court overruled all of the creditor’s objections and confirmed the debtor’s Chapter 13 plan on July 15, 2021. The debtor then performed under the plan for the full five-year term, and on February 3, 2026 the court entered the debtor’s Chapter 13 discharge order under 11 U.S.C. § 1328(a) — a milestone that many Chapter 13 cases never reach, as most are dismissed or converted before plan completion.
Result: All creditor objections overruled at contested confirmation; Chapter 13 plan confirmed (July 15, 2021); five-year plan completed; discharge order entered (Feb. 3, 2026); approximately $595,000 in secured and unsecured debt restructured
U.S. Bankruptcy Court, Northern District of California — Oakland Division
