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Your Chapter 13 Plan Confirmation Notice, Explained
Also called: plan confirmation notice, Chapter 13 confirmation hearing notice
Last reviewed 2026-07-11
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What this notice usually means
A Chapter 13 plan confirmation notice sets the hearing on your repayment plan. You must file your plan within 14 days after your case starts. The court can allow more time if needed. The hearing must happen no later than 45 days after your first scheduled 341 meeting of creditors. Before that hearing, the court must mail a notice. It goes to the debtor, the trustee, every creditor, and every indenture trustee. That notice must go out at least 28 days ahead of time. The same 28 days is also the deadline to file an objection to the plan. Those 28 days count backward from the hearing date. They do not count forward from when your mail arrived. All of these counts are calendar days.
What to do now
- 1
Know the plan filing deadline
The debtor must file the Chapter 13 plan within 14 days of the case starting, unless the court allows more time.
- 2
Track the confirmation hearing timing
The hearing must happen no later than 45 days after the first scheduled 341 meeting of creditors.
- 3
Understand the 28 day notice window
The court gives at least 28 days' notice, by mail, before the hearing and before the deadline to object. This is counted back from the hearing date, not from when your mail arrived.
- 4
Read your own notice for exact dates
Your notice states the real hearing date and objection deadline for your case. Use those dates.
- 5
Get free help if you want to object or have questions
Legal aid offices and bankruptcy self-help centers can help for free. They can explain the confirmation process and how to file an objection.
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The court must give at least 28 days' notice, by mail, of the time to file objections and the hearing to confirm a Chapter 13 plan. The confirmation hearing itself must happen no later than 45 days after the first scheduled 341 meeting of creditors. These are calendar days.
“The debtor must file the plan within 14 days of the petition, unless the court extends the time period.”
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Sources
- Federal Rules of Bankruptcy Procedure, Rule 2002 (uscode.house.gov, Office of the Law Revision Counsel, U.S. House of Representatives)Retrieved 2026-07-11
- U.S. Courts, Bankruptcy Basics: Chapter 13 (Administrative Office of the U.S. Courts)Retrieved 2026-07-11
Last reviewed 2026-07-11
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