Creditors' claims in Chapter 13 bankruptcy proceedingsCreditors must file their claims within 90 days of the date of the meeting of creditors. There are four exceptions to this rule, for which the clerk will give notice:
- Claims of governmental units.
- Claims for minors and incompetents.
- Unsecured claims allowable as a result of judgments filed 30 days after the appeal period has expired.
- Claims that arise because of the rejection of executory contracts (contracts that have not yet been performed).
- Accept the plan, or
- Be paid the entire amount due on the secured claim, or
- Be given the collateral that secures his or her claim, or
- Receive an amount that ensures the creditor of adequate protection, or
- If personal property secures a loan (e.g., an automobile), the debtor must file proof of insurance within 60 days of filing the petition.