Substantial changes to the Federal Rules of Bankruptcy Procedure (“FRBP”), which become effective as of December 1, 2017, could greatly affect the rights of various creditors.  One of the most significant changes is the adoption of an official form Chapter 13 Plan.  This is the first time Congress has implemented a national form Chapter 13 Plan.  The form Chapter 13 Plan will allow creditors to more easily identify how their claims are going to be treated and provide more uniformity amongst the various jurisdictions.  Districts have the ability to opt out of using the fo