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If the inheritance was received within 180 days of filing the case, the trustee will require you to pay unsecured creditors at least an amount equal to the nonexempt portion of your inheritance. The trustee will argue this is fair because their creditors would have been entitled to that amount if this was a Chapter 7 case.
Even if the inheritance was received more than 180 days after filing Chapter 13, the bankruptcy trustee may argue that she should pay the inheritance amount into their Chapter 13 plan. Not all courts have ruled on this issue. For those that have, most have required the Chapter 13 debtor to pay the inheritance amount into the plan, often reasoning that the inheritance is a windfall and should be part of your bankruptcy estate. A few courts have ruled otherwise, and allowed Chapter 13 debtors to keep inheritances they've received after the 180-day period has passed.
So, much will depend on their trustee and judge and how they view these issues. Also, it really depends on how much she's inheriting and how much the unsecured creditors are being paid under the plan.
Yes, I understand that she's past the 180 days.....so that is one hurdle, BUT her trustee may argue that even though she's past that time, the money should still be turned over to pay her unsecured creditors.
This is one of those things that courts have not uniformly ruled on -- even within the same state. So, it's not possible to definitively say what will happen, but it is certainly possible that it will be taken.
Usually, it really depends on how much is owed to unsecured creditors and how much the inheritance is as to whether the trustee will come after it or not.