Henry W asked:


I am right now in the middle of a pro se Chapter 13 filing. With the debts that I have that are unsecured and some that are secured debts, can I offer a plan to to the court which will offer the creditors less than they are actually owed by me?

I realize that the creditors could and very well may object to the repayment plan but perhaps they may take the lower offer. I’m not sure.

Any help please???