Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
Yes, payments to creditors, especially paying off a debt, would create equity in that asset.
Chapter13's are designed to protect assets, and you must pay back enough of your unsecured debts to protect those assets. so, by paying $1000, you may be creating $1000 in equity in the bankruptcy estate, and would thus have to pay back $1000 more to your unsecured creditors.
Preferential payments can be problematic in bankruptcy. Same applies here. I would follow your attorneys advice, the answers sound perfectly fine to me, and it is what I counsel my clients....no recent usage, no preferential payments, and don't pay any of the debts you want to discharge. Payments on financed items are fine, just don't pay ahead.
Thanks for your question, let me know if you have any more!
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