Broadly speaking, in chapter 13, the debtor remains in possession of all estate property, exempt or otherwise. In exchange for this accommodation, the debtor must obtain the court’s approval of a plan of debt adjustment. The plan must call upon the debtor to submit, for a predetermined time, all statutorily determined projected disposable income to a standing trustee for distribution to creditors. With rare exceptions, only upon completing all payments and otherwise fully complying with the...