Thank you for your question.
Plan confirmation is not the be-all, end-all of a Chapter 13 case. A multitude of reasons can come up post-confirmation which allow or even demand a dismissal and loss of the Debtor's protections under the Code
I'm not sure how the Debtor dismissing the case would harm a creditor.
1. Dismissing the case puts ALL debts back into being fully enforceable. The automatic stay
and the permanent injunction no longer exist, so all of the reposession, foreclosure, and lawsuit on debt parties can resume or get started with no federal impediments. That looks like a good thing for creditors, not harm.
2. "additional money that was not included in the plan" sounds like post-petition
debt. First, that debt should not have been incurred without court permission and some reason to believe --AT THAT TIME--that the Debtor would be able to pay it back and that it would assist the Debtor-in-Possession in continuing whatever activities that would assist the plan. Dismissing the case would not impair the enforceability of any post-petition debt(s).
3. Whatever subjective intent there may be on the part of the Debtor in getting the case dismissed, it really won't affect the "pecking order" amongst the secured and unsecured creditors. Their relative rights and priorities were set long before the case was filed. Any problems of priority or perfection of liens or such are almost always caused by the prepetition acts or omissions of the creditor, not the Debtor.
4. More than half of all Chapter 13 cases end early and are dismissed before the plan is completed anyway, for various reasons ranging from the Debtor loses the regular income needed to fuel the plan, to the Debtor getting huge windfall and being able to pay everyone off early. The first is much more common than the second.
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