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Trace the fee as the plan changes

Why can a fee change as accounts are resolved?

A formula may depend on how many creditors remain or whether a plan is completed. This historical Colorado example shows why the timing and conditions matter as much as a percentage.

  1. Creditor count changes

    A formula tied to remaining creditors can change over time.

  2. Plan completion matters

    An aggregate limit may have a completion condition.

  3. Earlier payments matter

    Amounts already paid can affect a later calculation.

Trace the fee as the plan changes

A formula tied to the number of remaining creditors can change when an account leaves the plan. A separate total limit may depend on completing the plan, while earlier payments can affect what remains chargeable.

Ask for the calculation at the start, after an account resolves and if the plan ends early. The saved Colorado examples are historical illustrations with conditions; they do not make every listed amount a current permitted fee.

This is a saved illustration with stated assumptions, not an offer or prediction for your circumstances. The full calculation and original limitations are in the optional archive.

Explore the complete state local territorial and tribal rules guide →
Open the complete calculation, tables and source notesOriginal working documents, complete tables and revision history
About this archive

The explanation above is written for readers. These original working documents preserve the evidence trail, including technical language, dated passages and known corrections. They have not all received independent professional review. Use the marked limits before relying on a particular rule or figure.

Home Data & examples / Colorado worked examples: the creditor count and completion condition matter
DATA & WORKED EXAMPLE

Colorado worked examples: the creditor count and completion condition matter

The saved examples show the monthly DMP ceiling changing from $50 with six creditors to $30 with three; a completed-plan $20,000 baseline minus $17,000 offers leaves $3,000 aggregate headroom, and $1,000 previously paid leaves $2,000.

Saved research, explicit assumptions and source limits. Full investigation → · All original tables →

Colorado worked examples: the creditor count and completion condition matter

saved exampleinputscalculationsaved result
D.1 Example 1$1,000 debt; 2 remaining creditorsmin($10 × 2, $50)$20 monthly ceiling; setup ceiling separately $50
D.1 Example 26 remaining creditors, then 3min($60, $50); min($30, $50)$50, then $30
D.1 Example 5$20,000 agreement-date principal; $17,000 offers; completion stipulated; $1,000 prior fees$20,000 − $17,000 = $3,000; $3,000 − $1,000$2,000 remaining headroom, not a payable fee
D.1 Example 6$1,000 principal; $800 offer; assumed $250 fee$800 + $250 = $1,050; $1,050 − $1,000$50 exceeds the stipulated aggregate boundary

What to keep attached

  • Existing coordinator arithmetic checks passed; statutory applicability, completed obligations, the offer measure and all fee conditions remain held as stated in the original chain.
  • The $2,000 headroom is an outer constraint, not authorization to collect it. Example percentages are assumptions, not Colorado caps.

Source trail

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