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It all depends on what you value your time at.. In a Ch 13 that is a reorganization where the creditors have to meet, typically several times, with the BK trustee to work out a payment schedule where most of the debts are either reduced and paid or reduced and paid off over 3 to 5 years..
So if you are saying your debt was $321.00... since that likely would be reduced in the BK payment agreement, it wouldnt' be worth it to me to spend several hours a day on several days going to the BK creditors meetings...