1325—confirmation of plan.  Additional things that you need for plan to get approved.
(i)    (a)(3)—Good faith
(ii)    (a)(4)—Best interest test:  Unsecured creditors have to at least get the value of  what they would get in Ch. 7.  So, figure out what they all would get under ch. 7, and must pay in addition to that so they receive present value dollars.
(iii)    (a)(5)—Secured Creditors—plan must do one of 3 things:
(1)    (A)—secured party approves.
(2)    (B)—Cramdown rate:  the secured party retains the lien, and the value to be given as of the effective date of the plan is not less than the amount of the claim.  (Amount of the claim is value of collateral or amount of debt, whichever is less.  Debtor must then pay this amount over time plus interest to account for the time value of money.  The interest rate is based on the market rate of interest at the time.  Note that for an over-secured party, they will get post-pet interest in establishing claim as of effective date—debtor then has to pay present value of this amount.  For under-secured party, debtor only has to pay present value of secured portion—the rest is an unsecured claim.)
(3)    (C)—the debtor can just hand over the property to the creditor.
(iv)    (b)—In addition to best interest test, plan needs to provide that unsecured creditor will be paid in full or that all the debtor disposable income is pledge to plan.  Disposable income is defined under (b)(2).
(1)    Expenses:  basically anything left after reasonable expenses.  What is included in expenses is left up to judge—may include braces, private school or piano lessons, but there are cases against this.  Under (b)(2)(A)—expenses can include charitable contributions up to 15% of the gross income of the debtor.
(2)    Income: schedules will include income from previous years.  If last years debtor worked overtime, and she doesn’t want to any more, judge may or may not allow that.  Could include something that says if debtor works overtime, money has to be turned over.
(3)    Cushion:  Most judges will want to see plan w/ some sort of cushion for emergencies.
(v)    (c)—court can order an entity from which the debtor receives income to pay all or part of that income to the trustee.