No later than 45 days after the meeting of creditors, the bankruptcy judge must hold a confirmation hearing and decide whether the plan is feasible and meets the standards for confirmation set forth in the Bankruptcy Code. Creditors will receive 28 days' notice of the hearing and may object to confirmation.

While a variety of objections may be made, the most frequent ones are that payments offered under the plan are less than creditors would receive if the debtor's assets were liquidated or that the debtor's plan does not commit all of the debtor's projected disposable income for the three or five year applicable commitment period.

In Washington state, as in all states, the bankruptcy process is governed by federal law. Under the Bankruptcy Code, no later than 45 days after the meeting of creditors, also known as the 341 meeting, the bankruptcy judge is required to conduct a confirmation hearing to determine whether the debtor's proposed repayment plan is feasible and satisfies the requirements for confirmation under the law. Creditors are given a 28-day notice of the confirmation hearing and have the right to file objections to the plan. Common objections include arguments that the plan provides less to creditors than they would receive if the debtor's assets were liquidated, or that the plan does not allocate all of the debtor's projected disposable income to repay creditors over the three or five-year commitment period, depending on the type of bankruptcy filed. These standards ensure that the repayment plan is fair and equitable to creditors while also being realistic for the debtor to fulfill.