Answered by Bankruptcy Attorney in St. Louis Missouri Tobias Licker: In a chapter 13, it is important to know the correct amounts of your secured debt you will pay in your chapter 13 plan, and also of the unsecured creditors if you repay them in full (although this doesn’t happen very often). If you are not sure about the exact amout you can either contact your creditor, use your most recent statement, or give an estimate of the debt you owe. The creditor will only receive the notice of the bankruptcy filing and won’t see from the court notice, what the listed amount is. Whatever is owed to your creditor will be discharged, regardless of the amount listed on your petition.