In Chapter 12 and 13 filings, you must submit to the judge a plan on how you will pay your creditors from your disposable income during the time that the plan is in place, usually from 3 - 5 years. The plan will have in it any concessions you want from the creditors such as lowered interest rates, forms showing disposable income, and the creditors you wish to pay. Your creditors will vote on the plan, probably ask for changes, and state whether they want to be included in the plan. The judge has final say, including how much disposable income you actually have to pay your creditors. The plan may be modified by you before or after confirmation. If the modification is made after the plan has been confirmed, the modification must still meet the approval of the judge and creditors.