‘‘(3) 90-DAY
DELINQUENCY
REQUIREMENT.— 
The trustee may not commence any action to enforce 
an obligation of the debtor under a repayment plan 
based on a delinquent payment until after the date 
on which the debtor has been delinquent on the pay-
ment for an 90-day period. 
‘‘(4) PLAN ENFORCEABLE BY TRUSTEE AS A 
SIMPLE
CONTRACT.—Subject to sections 362 and 
1029 and paragraph (6) of this subsection, the 
trustee may enforce an obligation of the debtor 
under a repayment plan as a simple contract under 
applicable nonbankruptcy law. 
‘‘(5) APPLICATION OF NONBANKRUPTCY LAW.— 
Except as provided in section 1029, enforcement of 
the obligations of a debtor under a repayment plan 
shall be subject to applicable nonbankruptcy law, in-
cluding laws relating to the garnishment of the 
wages of the debtor. 
‘‘(6) INEFFICIENT
ENFORCEMENT
PROHIB-
ITED.—The trustee may not enforce the obligations 
of the debtor under a repayment plan if such en-
forcement would not produce a meaningful distribu-
tion to creditors. 
‘‘(7) TRUSTEE
RECOVERY
OF
FEES
AND 
COSTS.— 
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‘‘(A) IN GENERAL.—The trustee may re-
cover from the debtor the reasonable attorneys’ 
fees and costs of enforcing the debtor’s obliga-
tion under a repayment plan in an amount 
equal to not more than 2 times the minimum 
payment obligation under the plan. 
‘‘(B) DEBTOR’S LIABILITY.—The debtor’s 
liability for the fees and costs described in sub-
paragraph (A)— 
‘‘(i) shall be in addition to the min-
imum payment obligation; and 
‘‘(ii) may be awarded to the trustee 
notwithstanding any previous compensa-
tion to which the trustee might be entitled 
under section 330. 
‘‘(8) STATUTE OF LIMITATIONS FOR TRUSTEE 
ENFORCEMENT.—An action by the trustee to enforce 
an obligation of the debtor under a repayment plan 
may not be commenced on a date that is more than 
2 years after the earliest date on which the trustee 
may bring an action under paragraph (3). 
‘‘(9) TRUSTEE’S
RIGHTS
NONASSIGNABLE.— 
Any assignment, factoring, or transferring of rights 
or amounts a debtor owes to a trustee under a re-
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payment plan, or of rights or authority to collect any 
such amounts, is void. 
‘‘§ 1026. Payments under a residence plan or property 
plan 
‘‘(a) IN GENERAL.—Payments under a residence 
plan or a property plan shall be made by the debtor in 
accordance with the plan. 
‘‘(b) CURE OF DEFAULT.— 
‘‘(1) IN GENERAL.—If a residence plan or prop-
erty plan proposes to cure a default on a claim se-
cured by property of the debtor, the debtor may, 
upon completion of the cure payments due under the 
plan, send a certification to the holder of such claim 
that the debtor paid in full the amount to cure any 
default on the claim using a form prescribed by the 
Judicial Conference of the United States. 
‘‘(2) FINAL CURE ORDER.—The court, on re-
quest of the debtor and in accordance with applica-
ble Federal Rules of Bankruptcy Procedure, shall 
determine whether the debtor has cured the default 
and paid all required post-petition amounts. 
‘‘§ 1027. Protection of lessors and purchase money 
lenders 
‘‘(a) LEASE PAYMENTS.—The debtor shall timely 
make any payments scheduled in a lease of personal prop-
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erty directly to the lessor for the portion of the obligation 
that becomes due after the date of the order for relief 
under this chapter, unless— 
‘‘(1) the court orders otherwise; 
‘‘(2) the debtor rejects a lease of personal prop-
erty under section 365(a); or 
‘‘(3) the debtor assumes a lease of personal 
property under section 365(p)(1)(B). 
‘‘(b) INSURANCE COVERAGE.—Not later than 60 
days after the date of the order for relief under this chap-
ter, a debtor who has proposed a plan that retains posses-
sion of personal property subject to a lease a purchase 
money security interest shall— 
‘‘(1) provide the lessor or holder of the claim 
reasonable evidence of the maintenance of any insur-
ance coverage required under the lease or purchase 
money security agreement with respect to the use or 
ownership of the property; and 
‘‘(2) continue to provide the reasonable evidence 
required under paragraph (1) for as long as the 
debtor retains possession of the property before the 
date of confirmation of a plan addressing the prop-
erty. 
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‘‘§ 1028. Effect of confirmation 
‘‘(a) BINDING EFFECT.—The provisions of a con-
firmed plan bind the debtor and each creditor of a claim 
for which the plan provides, regardless of whether the 
creditor has objected to the plan. 
‘‘(b) REPAYMENT PLAN INJUNCTION.—Confirmation 
of a repayment plan shall operate as an injunction against 
the commencement or continuation of an action, the em-
ployment of process, or an act to collect, recover, or offset 
any debt excepted from discharge under section 523(a) 
and treated under section 1022(a)(1)(B)(ii) until— 
‘‘(1) the date on which the debtor completes all 
payments due under the plan; or 
‘‘(2) the debtor is not less than 90 days delin-
quent on a payment required under a repayment 
plan. 
‘‘(c) RESIDENCE PLAN INJUNCTION.—Except as pro-
vided in subsection (e), confirmation of a residence plan 
shall operate as an injunction against the commencement 
or continuation of an action, the employment of process, 
or an act, to collect, recover, or offset any debt treated 
under section 1022(b)(2) or property securing such debt 
as long as the debtor is not more than 120 days delinquent 
on a payment required under a residence plan. 
‘‘(d) PROPERTY PLAN INJUNCTION.—Except as pro-
vided in subsection (e), confirmation of a property plan 
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shall operate as an injunction against the commencement 
or continuation of an action, the employment of process, 
or an act, to collect, recover, or offset any debt treated 
under section 1022(c)(2) or property securing such debt 
as long as the debtor is not more than 90 days delinquent 
on a payment required under a property plan. 
‘‘(e) REQUEST FOR RELIEF FROM INJUNCTION.— 
‘‘(1) IN GENERAL.—A party in interest may re-
quest from the court relief from the operation of an 
injunction under subsection (c) or (d). 
‘‘(2) GRANTING OF RELIEF.—The court shall 
grant relief requested under paragraph (1) for 
cause. 
‘‘(f) VESTING OF PROPERTY.—Except as otherwise 
provided in a plan or the order confirming the plan, the 
confirmation of a plan vests all of the property of the es-
tate in the debtor. 
‘‘(g) FREE AND CLEAR.—Except as otherwise pro-
vided in a plan or in the order confirming the plan, the 
property vesting in the debtor under subsection (f) is free 
and clear of any claim or interest of any creditor holding 
a claim provided for by the plan. 
‘‘(h) SECURED CLAIMS.—Except as provided by sec-
tion 1031, the confirmation of a repayment plan leaves 
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