(a) De Minimis Non-Mortgage Consumer Debt. The debtor may incur non-mortgage consumer debt of less than $1,000 in the aggregate in any calendar year without seeking approval of the trustee or the court.

(b) Non-Mortgage Consumer Debt with Approval Only by the Trustee. The debtor may incur non-mortgage consumer debt with the trustee’s approval but without court approval under the following procedure.

(a) Definitions. “Conduit payment(s)” are post-petition Mortgage payments made by the debtor to the trustee for payment to the Mortgagee under a confirmed Chapter 13 plan. “Gap payment” means the first Mortgage payment that becomes due post-petition.
“Delinquent” means more than two months behind on principal and interest payments. “Mortgage” includes deeds of trust and is not limited to security interests in debtor’s principal residence. “Mortgagee” is the holder of a Mortgage.

(a) Mandatory Form Chapter 13 Plan. Chapter 13 debtors must use the form Chapter 13 Plan adopted in this District. Note: The mandatory form Chapter 13 Plan is NM LF 3015-2

(b) Scheduling the Confirmation Hearing. The chapter 13 plan confirmation hearing will be scheduled by the court.

A Chapter 12 debtor shall, within three business days of filing the plan, contact the courtroom deputy for the assigned judge to request a final confirmation hearing and prepare, serve, and timely file a notice of the hearing.