No later than 45 days after the meeting of creditors, the bankruptcy judge must hold a confirmation hearing and decide whether the plan is feasible and meets the standards for confirmation set forth in the Bankruptcy Code. Creditors will receive 28 days' notice of the hearing and may object to confirmation.

While a variety of objections may be made, the most frequent ones are that payments offered under the plan are less than creditors would receive if the debtor's assets were liquidated or that the debtor's plan does not commit all of the debtor's projected disposable income for the three or five year applicable commitment period.

In Tennessee, as in all states, the process of confirming a Chapter 13 bankruptcy plan is governed by federal bankruptcy law. After the meeting of creditors, the bankruptcy court must hold a confirmation hearing within 45 days. During this hearing, the judge will determine if the proposed repayment plan is feasible and satisfies the requirements of the Bankruptcy Code. Creditors are given a 28-day notice before the hearing and have the right to object to the plan's confirmation. Common objections include arguments that the plan provides less payment than what creditors would receive if the debtor's assets were liquidated, or that the plan does not allocate all of the debtor's projected disposable income over the three or five-year commitment period required by the Bankruptcy Code. The court will consider these objections and decide whether to confirm or deny the plan based on its compliance with the legal standards.