In a Utah Chapter 13 bankruptcy proceeding, debts included in the Chapter 13 plan must either be paid completely or the property securing the debt must be surrendered. On-going payments on home mortgages and other long-term secured debts may be made by the debtor directly to the creditor if it is properly recognized as outside the plan. Back payments to cure a mortgage default or a car loan can often be made through the Chapter 13 plan.

The debtor will be able to keep all desired property as long as the unsecured creditors are paid not less than they would receive if assets were liquidated in a Chapter 7 bankruptcy proceeding.