Most Chapter 13 plans, if they follow the model approved by the local district court will be accepted. The meeting of creditors is usually a formality -- no one shows up except for you and the trustee, who ask about 5 minutes worth of questions and that's the end of it.
The creditors will get their money once the plan is confirmed-- meanwhile they can't try to collect, so you don't have to worry about being foreclosed.
Re 10 years, that's how long a banrkutpcy sits on your credit report, which means that some creditor could appear out of nowhere and claims who knows what. So, the attorney's suggestion is mostly a "just in case" suggestion.
Get a safe deposit box, put the paperwork inside and forget about it.
Hope this helps.
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