There are some things that have to be paid back.
For instance, tax liability that’s less than 3 years old, it’s what we call priority tax liability. If you have priority tax liability, that has to be paid back. If you owe money on a vehicle and you want to pay it off through the plan, which I highly recommend, that vehicle had to be paid in full during the life of that plan. And so, some people can have very high plan payments, 400, 500. I talk to a gentleman today, I actually recommended placing his entire mortgage into a plan. He had a $100,000 mortgage and I said “You know what? If you put this $100,000 mortgage into this plan, your plan payment’s going to be less than your mortgage payment”. But his plan payment was going to be $1,200 a month. Now, his mortgage payment was $1,500 a month, so it would be in his best interest to do it that way. In theory, it could be a 0 per cent plan because he’s not paying any of his un-secured creditors. He’s only paying the mortgage and mortgage is considered as secured debt and even if you pay the mortgage in full for the plan, you can still have a high plan payment but a 0 per cent plan. That’s something that I like to try to do.