Anonymize Chapter 13 repayment plans for consumer-debtor education – CCPA/HIPAA-compliant de-identification per FRBP Rule 3015
A Chapter 13 repayment plan is the filing, governed by FRBP Rule 3015, that commits the debtor to a three-to-five-year payment schedule covering secured, priority, and general unsecured claims. Congress enacted the Bankruptcy Code through the Bankruptcy Reform Act of 1978 and reorganized the bankruptcy court system through the Bankruptcy Amendments and Federal Judgeship Act of 1984. It names creditors and discloses the debtor's disposable income calculation. anonym.legal pseudonymizes personal and creditor identifiers so Chapter 13 plans can support consumer-debtor education and law-clinic training.
When this applies
Use this workflow when Chapter 13 plans must be shared with consumer-debtor education providers, law-school clinics, or trustee-training programs where the specific debtor and creditor identities are not required.
How anonym.legal handles it
- Upload the Chapter 13 plan in PDF or DOCX format, including any modified plan versions.
- The engine identifies the debtor name, co-debtor name, creditor names in each class, and any servicer or lender contact details.
- Each named party receives a consistent pseudonym applied across the plan and any attached payment schedules.
- Repayment amounts, plan duration, and priority payment order are preserved as structural financial content.
- The encrypted mapping is stored with US data residency for authorized re-identification.
- The pseudonymized plan is exported for use in consumer-debtor education materials or clinic training sets.
- Modified plans confirming changes to the payment schedule can be processed alongside the original plan.
What you provide
- Chapter 13 plan in PDF or DOCX, including any modifications filed before confirmation
- Confirmation order if processing the confirmed plan version
- Instruction on whether mortgage servicer and auto-lender names should be pseudonymized or generalized
Limitations & cautions
- The tool does not calculate Chapter 13 plan feasibility or projected disposable income; those calculations require trustee and court review.
- Plans referencing state-specific homestead exemption amounts include state-law context not assessed by this federal-level workflow.
- Co-debtor identifiers require separate pseudonymization treatment under 11 USC §1301 co-debtor stay provisions.
- Trustee fee percentages and administrative cost structures are public information retained in the pseudonymized plan.
- The standing Chapter 13 trustee's fee is set administratively rather than by the 11 USC §326(a) formula that caps Chapter 7 trustee compensation at 25% of the first $5,000, 10% of the next $45,000, 5% up to $1,000,000, and 3% above that.
FAQ
Are mortgage creditor names pseudonymized in the plan treatment section?
Yes. Mortgage lender or servicer names appearing in the secured-claim treatment provisions are pseudonymized. The payment amounts and cure obligations are preserved. According to Federal Rule of Bankruptcy Procedure 9037(a), any account number is already limited to its last four digits on the original filing.
Can modified plans be processed consistently with the original to show the evolution?
Yes. Uploading the original and each modified plan together allows the engine to apply a unified pseudonym set, so educators can trace plan modifications without linking them to the real debtor. According to the Administrative Office of the U.S. Courts, Chapter 13 plans remain part of the public docket unless sealed.
How does the workflow handle plan provisions for co-debtor claims?
Co-debtor names and identifiers are pseudonymized independently of the primary debtor, with consistent aliases applied throughout all plan documents. Under 11 USC §302, a joint petition by spouses commences a single case, and co-debtor stay protections under §1301 follow that same case.
Is the trustee's percentage fee retained in the pseudonymized plan?
Yes. Trustee percentage fees are public administrative data and are preserved verbatim in the pseudonymized plan. Congress created Subchapter V of Chapter 11 through the Small Business Reorganization Act of 2019 as a separate small-business alternative to Chapter 13, which is available only to individuals.