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A Chapter 13 plan prevents creditors from doing anything concerning your accounts. The debtor (you) must also not do anything after filing Chapter 13 that would be viewed as bad faith by the court -- so, until the plan is confirmed, you will need to leave your accounts alone, except to pay expenses for the necessities of life or in the ordinary course of business.
Once the plan is confirmed by the court, you will be instructed to may payments to the bankruptcy trustee each month, and after that you can do whatever you want, as long as you make the required payments.
Hope this helps.
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Your creditors can't freeze your accounts or seize funds, and you can keep your timeshare -- as long as you can make payments according to the plan.
The minimum requirement is that the creditors must receive at least as much in a Chapter 13 as they would receive in a Chapter 7. If they do, you have a chance of getting the plan confirmed. Otherwise, you don't.
That covers all of your questions. Please advise as to how I may further assist.
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