RE: Pajian (7th Circuit Court of Appeals-2015) Says Rule 3002(c) applies to all creditors. Secured and unsecured alike are bound by the bar date imposed under 3002. TheTrustee notes that Rule 3004 allows the debtor or counsel 30 additional days to file a claim if the creditor does not
RE: Hrubrec (7th Circuit 2016-ND IL) Says if a secured creditor agrees to its treatment under the plan, filing a proof of claim is optional. Note: decisions in this district have historically required a claim to be filed in order to be paid. See the Kitzerow decision below.
RE: Powers (7th Circuit Court of Appeals 2016) Says the debtor, the trustee, or an allowed unsecured creditors may seek modification to increase plan payments based on a post-confirmation increase in income
Re: Kitzerow (WD Wis 2/7/2017) - Debtor filed a Motion to allow a secured vehicle loan claim to be filed after the bar date in order to require the Chapter 13 to make disbursements on a late-filed claim. The Court discussed the differences between the facts in this case and those of In re Pajian, finding a distinction between a case in which there is no confirmed plan on file and a creditor files a claim after the bar date (Pajian) and a case in which a creditor attempts to file a claim after a plan has been confirmed(Kitzerow). The Court noted the Kitzerow confirmed plan included specific detailed treatment of the secured portion of the vehicle loan i.e. a secured amount of $7,950 at 5% interest and monthly installments of $125. The Court held the parties are bound by the confirmed plan treatment of the secured claim and the Trustee is directed to disburse plan payments in accordance with Section 1326(a)(2) and the terms of the confirmed plan. As the creditor failed to timely file a claim for the unsecured portion of the car loan, the unsecured claim is barred and will be discharged, assuming the debtor completes the plan