All your listed creditors receive a copy of your proposed repayment plan. They are each required to file a Proof of Claim verifying the amount that you owe and supporting documentation. Any unsecured creditor that does not file a claim will not be included in the approved repayment plan and that debt is discharged (eliminated) at the completion of the plan. Creditors are handled differently based on their status: secured, unsecured, priority, etc. The attorney will create a strategy for handling each of your creditors at the time of the initial complimentary consultation.