Hi - my name is XXXXX XXXXX I'm a Bankruptcy litigation attorney. Thanks for your question.
A "Pot" plan occurs where all payments come from a single source, such as the sale of an asset. Chapter 13 bankruptcies generally require ongoing income in order to confirm the plan. Thus, bankruptcy courts should not confirm a "POT" plan under Chapter 13.
IF you can't do anything about the amount of the claims made, the most likely way to resolve this is to file a motion to modify the chapter 13 plan and get the payments extended past the 5 year mark. As you know, your bankruptcy can only last 5 years, BUT you can agree with creditors and the trustee to make payments post-bankruptcy under an agreed amount reflected by the plan.
Modifying your plan would allow you to extend the payments and keep the monthly obligation from doubling.
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