IF SOME OF THE CREDITORS DIDN'T SHOW UP FOR THE CREDITORS MEETING, HOW WILL THIS AMOUNT CHANGE THE PAYBACK PLAN

In a Chapter 13 Bankruptcy, all the creditor need not be rpesent at the creditors meeting. The creditors usually only send a represenative to these meetings if they wish to contest something in your petition or your ability to qualify for bankruptcy protection.   I have responded to your inquiry according to the laws of Massachusetts, where I practice. Laws can vary significantly from state to state and cases tend to be rather fact-specific, so you are best served by consulting with a knowledgeable attorney in weighing your options. Email messages/Online Correspondence are akin to conversations and do not reflect the level of analysis applied to formal legal opinions. Email/Online responses do not form an attorney-client relationship.      Joseph F. Botelho, Esq. BOTELHO & ASSOCIATES, LLC Attorneys At Law   www.massachusettslawyeronline.com 126 Shove Street Unit 202 Fall River, MA 02724 Office:  888-269-0688 FAX:    877-475-8147