One good thing about Chapter 13 bankruptcy is that the trustees never want to take your property.
Another good thing about Chapter 13 trustees is that when they run out of people to pay, they will stop taking money from you. The trustees are good at keeping track of money. You can get access to the records from your case to see how much you still need to pay and how much will need to be paid to pay all of your creditors in full.
One bad thing about Chapter 13 bankruptcy is that the trustee will want as much money as possible paid as quickly as possible. I have begun to tell clients that the trustee will always have his hand out seeking any additional money that comes their way.
It doesn’t matter to the Chapter 13 trustee if you have a plan that pays your creditors in full within 36 months. If he thinks that you can pay the creditors off faster, he will object to your plan. His thinking is that something might happen to disrupt your ability to pay so he should get the creditors paid as quickly as possible.