It's the amount owed at the time the Bankruptcy was filed. You do not figure future interest into balance owed at filing. There is a place in the Proof of Claim to list interest rate. Practically speaking, interest rate is not relevant in the majority of claims. Because unless there are facts going toward non-dischargeability (and a complaint filed etc.) and unless the claim is secured, you will be getting 0% interest. To go even further, there may be a partial dividend, or no dividend, to general unsecured claims anyway. This is because unless it's a "100% plan" you would not be getting the full amount owed. There should be a clause in their Plan that states what each type of creditor is to receive. The Trustee may be willing to explain what will be paid out to you under the terms of this plan, so you might give their office a call. Court clerks might be willing to answer very specific questions about Proof of Claim drafting as well and that's the general nature of your question.
Answered on Aug 25th, 2014 at 12:57 PM