The court will examine the circumstances that led to the consumer’s debts.  Basically there is nothing else that the consumer can do when the creditors file an objection, other than respond to it, and then just wait for the court to hand down the verdict.

When Creditors file a motion to challenge the consumer’s right to file a Chapter 13 bankruptcy or object to the discharge of certain debts, the trustee may sometimes step in and discourage them because it is better to settle the case off the court or without a hearing. Trustees usually handle several cases at the same time and they really would do not appreciate long drawn out court battles.

It might be a bit peculiar to some, why creditors or trustees would object to a consumer’s Chapter 13 plan when they are bound to get some money out of its successful discharge.  The reason is simple, the creditors and trustees do not think that the consumer can complete his/her proposed plan. Based on the high dropout rate in Chapter 13 cases, they doubt that the consumer can follow through with the repayment plan, and so they object and propose a plan modification to help the case along.