A Chester County Chapter 13 creates a process where creditors must file a proof of claim. This is typically done for any debt included in the bankruptcy. Some creditors do not file a proof of claim.
If a creditor does not file a proof of claim, the debtor's Chester County bankruptcy lawyer or the trustee can do so. Typically, the proof of claim filed by the debtor's lawyer or the trustee involve a car loan or mortgage. This is one to make sure the plan with the Trustee aligns with what is owed on the secured property.
The proof of claim must include the debtor's name, amount owed, and additional information, including the date of the last payment made and the original obligation. If a third party files the proof of claim, they must file an appropriate power of attorney for the creditor.