Chapter 13 Plan Calculator 181
a. Click the Claims tab in the calculator and look for fixed payments. Fixed payments will have a dollar figure
in the Payment column instead of “Pro rata” or “Not in Plan.”
b. Review each fixed payment claim by highlighting the claim and clicking the Edit Claim button, then
clicking the 13 Plan Treatment tab.
c. Check to see that the figures make sense: Are all the numbers on the 13 plan treatment tab correct? Are the
payment amount and term sufficient to pay the full claim? Use the Auto check box to have the monthly
fixed payment amounts calculated for you.
d. Make necessary adjustments and recalculate the plan.
4. Any time you edit a claim, especially a Schedule D secured claim, you should look at the 13 plan treatment tab
and verify that the numbers are still correct. Changes to the creditor information tab are not automatically
reflected on the 13 Plan Treatment tab.
Lump sum Payments
If you have a plan with a large lump sum payment, you need to be careful with fixed payment claims. If you are
having trouble with a lump sum plan the easiest solution is to change fixed payments to pro rata. The problem is that
fixed payments can limit the calculator’s ability to fully distribute the lump sum payment.
There are Overpayments.
Overpayments are caused when there is more than enough going into the plan to pay off all creditors, or when you
have incorrect fixed payment amounts. If you have more than enough money going to creditors, you might consider
decreasing the length of the plan. (For fixed payment problems, see General Tips on page 180.)
Debtor cannot afford minimum payment/ The payment amount required to fund the plan is extremely high.
Go to the Claims Tab and look at how each claim is being treated. If there is a mortgage, how is this classified?
It should probably be “Secured, Long term, outside plan” or “Secured, Long Term, inside plan.” If it is
classified as secured pro rata, the calculator will try to pay the entire mortgage off within the length of the plan,
giving you a high payment amount.
Have you split secured claims into secured and unsecured portions, where allowed, when the market value is
less than the claim amount? For secured creditors whose claims are not completely secured, go into the 13 Plan
Treatment tab in Schedule D and check to see that everything is being treated properly and that the secured
portion plus arrearage plus unsecured is equal to the total claim amount.
Check the interest rates that you’ve assigned to each claim. Over 5 years, the percentage can make a big
difference, especially on claims such as car loans with high interest rates. You may not need to pay the full
interest rate of the original contract.
Where the property securing the lien is fully exempt, have you classified the claim as Secured, Avoid Lien? If
the property is exempt, the lien may become invalid and the claim can be treated as an unsecured claim. (See
Chapter 13 Treatment for Schedule D claims on page 159.)
If all claims are classified properly and interest rates are correct, you may need to increase the length of the
plan, decrease the amount to unsecured creditors, or have the debtor surrender secured property.
I originally entered a claim on Schedule D then moved it to F. It’s still being treated as a secured claim in the plan calculator.
The treatment class for each class is not def
ined in the plan calculator, but in the “13 Plan
” tab located in
the creditor schedule. To change a creditor’s
1. In the Chapter 13 Plan Calculator, click the Claims Tab.
182 Best Case Bankruptcy for Windows
2. Double-click on the name of the creditor.
3. At the top of the credito
r window, you’ll see a tab labeled “13 Plan
.” Click on the tab.
4. You can now change the treatment of this claim to any treatment class in the list. Specify interest rate,
arrearage amount and treatment, unsecured treatment, and non-priority treatment if applicable, then
5. When you return to the Chapter 13 Plan Calculator, you can click the Summary Tab, then recalculate
the plan, if necessary.
I want to change the interest rate being paid on a claim.
The interest rate is specified in the 13 Plan Treatment tab for each individual creditor, where applicable. To adjust
the interest rate, follow steps 1-3 above, change the interest, and click OK.
The amount going into the plan isn’t printing properly on Schedule J.
You need to manually enter the
dollar figure from the Chapter 13 plan into the “For Chapters 12 & 13 Only” section
of Schedule J. Since you may be filing the plan separately from Schedule J, this figure is not automatically
My Schedule E creditors aren’t being included on the plan.
You need to input the priority amount for each Schedule E creditor in addition to the amount of claim. Edit each
Schedule E claim and add the priority amount in the Creditor Information tab.
Accessing the 13 Plan Section of the Setup Menu
Other choices in the Setup Menu allow you to change settings for each treatment
class, the trustee’s fee, and the
default treatment class for each schedule.
1. With the client file open, from the Forms and Schedules Menu, click Setup/Edit Case Jurisdiction and skip to
step 5 below, or -
2. Close all forms or schedules that are open, then close the Client List Window.
3. Click on Setup in the Main Menu Bar to access the Setup Menu, then click
4. With the name of your jurisdiction highlighted, click Edit.
5. Click on the tab labeled
The 13 Plan section of the Setup Menu, under Jurisdictions
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Chapter 13 Plan Calculator 183
Changing the Percentage Paid to the Trustee
1. Follow instructions for accessing the Chapter 13 Plan Setup screen, above.
2. In the Trustee
s section, on the left side, type the percentage that the trustee is to be paid. In Best Case
Bankruptcy you can define up to three steps for the trustee
s fee in case your trustee gets paid a
varying percentage based on how much is going into the plan. The default percentage is 10%.
Specify whether the trustee’s fee should be computed based on contributions into the plan or
disbursements from the plan. (The default is for it to be calculated based on contributions. The trustee
gets paid more if calculations are made on contributions. If you are unsure how your trustee’s fee
should be calculated, contact your local trustee.)
Don’t Accrue Interest on Claims While Unpaid
By default, claims with interest begin to accrue interest in the first month of the plan, whether or not the creditors
begin to receive payment that early.
An option in your Setup menu allows you to suspend interest accrual on secured claims until they begin to receive
payments. This option was added by customer request and may or may not be allowed in your district.
To suspend interest accrual until payments to the creditor begin:
1. Access the 13 Plan portion of your Setup Menu, as described above.
2. In the bottom left corner, there is a check box labeled
“Don’t accrue interest on claims while unpaid.”
in the box to mark the check box, then click OK.
3. Repeat for any other districts that you file in where you want this option marked.
4. Close the Jurisdictions list.
Other options in the Jurisdictions section of your Setup Menu allow you to include an
attorney signature line on the printed plan, exclude the statement about unsecured nonpriority
claims less than $10, and include a statement showing the total payout to unsecured
nonpriority creditors. See Jurisdictions: Miscellaneous Options on page 305.
Changing the Usual (Default) Classification of a Given Type of Claim
The standard treatment of a claim refers to the classification that is filled in for you in the 13 Plan Treatment tab of
Schedules D, E, and F. The most common treatment class is assigned to creditors of each schedule, though the
treatment class of any individual claim can be changed at any time.
We have assigned standard treatment classes to the secured and unsecured portions of Schedule D claims, priority
and non priority portions of Schedule E claims, all Schedule F claims and arrearage amounts.
The standard treatment classes are as follows:
Secured Portion: Secured Pro rata
Unsecured Portion: Unsecured, General Nonpriority
Arrearage: Arrearage, Pro rata
Priority Portion: Unsecured Priority
Unsecured Portion: Unsecured, General Nonpriority
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184 Best Case Bankruptcy for Windows
Unsecured, General Nonpriority
Arrearage, Pro rata
To change any of the standard classifications of a claim type:
On the left side of the screen, in the section labeled Standard Treatment
of Claim, you’ll see the code for the usual
treatment of each type of claim. For each one that you want to change, double click in the field and type the code for
the classification that you would like. Classification codes are listed on the right side of the screen. A full description
of each type of treatment class can be found in the Reference Table of Treatment Classes section on page 164.
Editing Classification Treatments
Best Case Bankruptcy contains about 14 different classifications, as listed in the Reference Table of Treatment
Classes on page 164. You can change the treatment of any of these classifications, or add your own classifications.
Note that you generally do not want to change these plan treatment settings for plan
classes that we have pre-defined; think about whether it makes sense to change them before
you do! If you are adding your own new class, think carefully about what information will
need to be entered for claims in that class.
To change settings of a class, highlight the class in the
section and click Change.
The options that you can change are:
1. Special Intention (Special intentions include
-because property is
) Most classes will be
2. The payment method:
with other claims in the same category, or
(Creditors would be treated as Not in Plan if they are being paid directly by the debtor or if,
r some reason, you don’t want the creditor included in the repayment plan.)
3. The payout rank, which specifies when creditors of this class will be paid in relation to other creditors.
See Payout Rank on page 185.
4. The payoff percent. This would be 100 if the creditor is to be paid at all, and 0 if the creditor is not to
Applicability of trustee’s fee to this class.
6. Plan treatment entry screen options let you specify the applicability of various entry fields to the type
of claim. These options include: the amount (you generally want to hide this, except for classes like
Secured pro rata where there may be an arrearage amount which needs to be separated), the payment,
(this refers to the monthly payment, which you would hide unless the creditor is getting a fixed
monthly amount), the rate, (interest rate - this is not applicable to many claim types), the arrearage,
(which should only be shown if you want to be able to split off the arrearage portion), and the term,
which refers to the number of months the debtor will take to pay off the claim, again only applicable to
creditors given a fixed payment.
7. Make changes as needed, then click OK.
On the right side of the screen, in the section labeled Classification Codes/Treatment, click Insert.
Give your new class a 3 or 4 digit unique code, a name, and choose options for the different items, described above
in Editing Classification Treatments. When you have made your selections, click OK.
Chapter 13 Plan Calculator 185
Note that when you make new classifications, the Chapter 13 Plan Calculator will take
creditors of the new class into consideration when calculating the plan, but will not print these
creditors on the plan, since presumably they do not fall into any of the categories already
listed on the plan. For these creditors, you will need to edit the 13 Plan in the Best Case Editor
to add explanations and creditor names. See The Best Case Editor on page 202.
The payout rank of a claim determines when the claim will be paid in relation to creditors of other classes.
The payout ranks of the Chapter 13 Plan Treatment Classes defined by Best Case Solutions are as follows: (Note
that you are able to modify any of these payout ranks, or to create your own treatment classes.)
Payout Rank 1
Arrearage, fixed payment
Secured, fixed payment
Secured, fixed payment, § 506 N/A
Secured long term, in plan
Payout Rank 2
Arrearage, paid pro rata
Secured, paid pro rata
Secured, paid pro rata, § 506 N/A
Payout Rank 3
Unsecured, special class, pay 100%
Payout Rank 99
No payout rank
Domestic Support Obligation §507(a)(1)(A)
Domestic Support Government §507(a)(1)(B)
Not in plan
Secured, avoid lien
Secured, long term, outside plan
Secured, surrender property
Undo changes and go back to original settings
If you want to cancel any changes you have previously made in the chapter 13 plan setup options, click the Reset 13
button which appears beneath the Trustee’s fee section. This will reset your chapter 13 settings to those that were
originally shipped with Best Case Bankruptcy.
186 Best Case Bankruptcy for Windows
Printing Forms 187
In This Chapter
Printing Forms ........................................................................................ 188
Printing Options ..................................................................................... 189
Privacy Tab ............................................................................................ 190
Printing Multiple Copies ......................................................................... 193
Print Preview Function ........................................................................... 193
Printing Double-Sided on Printers that Can’t Duplex ............................. 196
Printing Blank Forms .............................................................................. 197
Amending a Form or Petition ................................................................. 197
Printing Only the New or Changed Items on an Amended Schedule .... 197
Creating an Attachment ......................................................................... 198
Replacing a Form with an Attachment You Create ................................ 201
The Best Case Editor ............................................................................. 202
RTF Documents and the Best Case Editor ............................................ 202
Working with Forms in Your Word Processor ........................................ 215
Saving Merged Forms ............................................................................ 217
Additional Documents Library ................................................................ 206
Printing Documents in the Additional Documents Library ...................... 207
Merging Several Creditor Records into a Form ..................................... 208
Changing Documents in the Additional Documents Library ................... 209
Adding a Document to the Additional Documents Library ..................... 209
Merge Codes for Adding Documents to the Additional Documents Library211
188 Best Case Bankruptcy for Windows
1. From the Client List Window, highlight a client file then click the Forms button.
2. At the Forms and Schedules Menu, select the document or documents that you want to print by clicking in the
far right column, next to the scroll bar, under
Click below to print----------------v.
Or, highlight the form you
want to print then press
3. If you want to print all documents, double-click in the print column or press
. Double-clicking a second time
again) will remove all the print selections.
Time Saver: Right-click on a form then click Print to mark it and open the Print
Documents dialog box.
4. When a document is marked to print, a printer icon appears in the print column next to it. Shown below, the
Voluntary Petition, Summary of Schedules, and Schedule A are marked to print.
The Forms and Schedules Menu with three forms marked to print
(If you have trouble knowing where to click, click once on the form to highlight it. A white box appears at the
right end of the blue bar marking the form, where the printer icons appear in the picture above. Click in the
When you have marked the documents to print, click the
button in the main toolbar.
Keyboard Shortcut: With documents marked to print, press
to activate the Print
dialog box appears. To send documents to the printer listed, click the Print button. Or,
to select a different printer, click Select.
in the Print dialog box are described below under
It is not
necessary to check any of them.
Selecting All Documents to Print
To select all
of this client’s documents for printing, d
ouble-click in the print column (to the right of the
document names, below the V which appears at the top of the list), or press
. All documents will be
Printing Forms 189
selected, as shown below. This command is a toggle; repeat command to unmark all documents. After
marking all documents to print, follow steps 5-6 above.
Supplemental Forms Folder: Note that when you mark all documents to print, documents in
the Supplemental Forms Folder are not marked, since they are not normally part of the filing.
If there is a supplemental form that you always want to print with the rest of the forms, you can
move it into the main Forms and Schedules Menu. See Jurisdiction Forms List on page 299 for
Forms and Schedules Menu: all documents selected to print
Time Saver: Press
while right-clicking to mark all forms to print (or press
while double right-clicking to mark all forms to print and bring up the Print
Documents dialog box.
The Print Documents dialog box, pictured below, contains several options for printing:
Print Documents Dialog Box
This allows you to send the job to a different printer and specify printer options such as the paper tray, etc.
190 Best Case Bankruptcy for Windows
Click to send selected documents to selected printer.
Click to view documents on the screen before printing.
Click to create files for Electronic Filing. (See Electronic Case Filing on page 220.)
Edit Form button
If you have an Edit Form button, you have selected a form to print that can be edited through the Best Case Editor.
Click the button to open the document in the Editor. Only certain documents can be edited through the Best Case
Editor. (See The Best Case Editor on page 202 for more information.)
In September 2002, the Judicial Conference approved changes to the Federal Rules of Bankruptcy Procedure and the
Official Forms. These changes implement the Conference
’s new policy on privacy and public ac
cess to electronic
social security numbers but must store them
separately from the case files that are available to the public. The policy requires that only the last four digits of the
debtor’s social security number be listed on Voluntary and Involuntary Petitions and Proof of Claim forms, and that
the person filing the documents is responsible for redacting the first 5 digits. The court is required to include full
social security numbers on the notice of the section 341 meeting sent to creditors, but not the copy of this notice that
The policy also gives debtors the option of listing full account numbers or only the last four digits on Schedules D-F
and the Statement of Financial Affairs.
Instructions on creditor schedules note that account numbers are “us
the trustee and the creditor
so you may want to include them. Or, you may want to show them for some creditors
who would have difficulty identifying your clients without them, and mask them for others when privacy is a
concern. (For example, you may want to mask them when social security numbers are used as account numbers.)
These changes become effective December 1, 2003. The Petition and Schedules were amended to include
instructions regarding the new rules, and Schedule I was amended to show that names of dependents are no longer
The options described below appear on the Privacy Tab of the Print Documents dialog box to allow you to choose
whether to print the old or new forms and whether to mask all account numbers, show all account numbers, or mask
individual account numbers.
December 2003 New Official Forms
The default setting is to use the new forms when printing on or after December 1, 2003. Best Case checks your
Windows® system clock to see today’s date.
Through this printing option, you can choose whether to use these new forms or the old forms. (We highly
recommend that you always use the new forms when filing on or after December 1, 2003. The option to use the old
forms was included because we made the option to print the new forms available in our software prior to the
December 1 mandatory date.)
Documents you may be interested
Documents you may be interested