By debtors, for debtors
Chapter 13 Encouragement
Guides, data, and tools for people living through Chapter 13 bankruptcy — written by people who went through it also.
Guides
Understanding Your Case
Who Is the Chapter 13 Trustee?
They collect your payments, pay your creditors, and keep your case on track. Here's what their office actually does — and why that fee exists.
How It Works
The Chapter 13 Process
Ten steps from the day you file to the day you receive your discharge — the whole journey at a glance.
Reference
Chapter 13 Glossary
Plain-English explanations of the terms, codes, and abbreviations you'll encounter in your NDC files and throughout your case.
Your Case
When Will Our Plan Be Finished?
The question every Chapter 13 debtor asks. Here's how completion dates work, what can change them, and how to find yours.
The Tool
NDC gives you the data. We show you what it means.
If you have your Account Ledger and Claim Summary from NDC.org, load them here. We'll show you your estimated completion date, a full breakdown of where your money has gone, the status of every account in your plan, and more — specific to your case, not a generic example.
Free to use. Nothing leaves your device.
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