MEMORANDUM OPINION AND ORDER OVERRULING THE CHAPTER 13 TRUSTEE’S OBJECTION TO CONFIRMATION UNDER 11 U.S.C. §§ 1325(a)(3) AND (a)(7) AND DENYING THE MOTION TO DISMISS OR CONVERT DEBTORS’ CASE TO CHAPTER 7

The Chapter 13 Trustee (the Trustee) objects to confirmation and moves to dismiss or convert Debtors’ case to Chapter 7.1 At issue is whether the Bankruptcy Code permits Debtors to file under Chapter 13 and propose confirmation of a plan that pays only the filing fee, the Debtors’ attorney’s fees, and the Trustee’s commission.2 The matters are submitted on the pleadings for this Court’s consideration. Here, the Court finds that Debtors filed their case and Chapter 13 Plan in good faith, not by any means forbidden by law.

VENUE AND JURISDICTION

This Court has jurisdiction over the parties and the subject matter pursuant to 28 U.S.C. §§ 157(a) and 1334(a) and (b) and the Amended Standing Order of Reference of the United States District Court for the District of Kansas that exercised authority conferred by 28 U.S.C. § 157(a) to refer to the District’s bankruptcy judges all matters under the Bankruptcy Code and all proceedings arising under the Code or arising in or related to a case under the Code, effective June 24, 2013.3 Furthermore, this Court may hear and finally adjudicate this matter because it is a core proceeding pursuant to 28 U.S.C. § 157(b)(2)(D). The parties do not object to venue or jurisdiction.

FINDINGS OF FACT

On June 15, 2015, Debtors Daniel Joseph Dugan (Daniel) and Karen Marie Dresch (Karen) filed their bankruptcy petition4 and Chapter 13 Plan (the Plan).5 On June 16, 2015, the Court granted the Debtors’ application to pay their filing fees *793in installments.6 Debtors are not repeat filers and certify they have completed pre-petition credit counseling.7 Debtors’ income is below median. At the time of filing, Debtors? three dependent children were four, nine, and twelve years old. Debtors made no payments to insiders or creditors within 90 days of their petition.8

Debtors’ Plan proposes .at least 36 monthly payments of $80.° Plan payments will pay $2,809 to attorney’s fees,10 $310 to filing fees, and $0.00 to unsecured creditors.11

Debtors’ income from employment for 2013, 2014, and 2015 year to petition date was $17,742, $45,368, and $1,405, respectively.12 Daniel works as a mixer driver at Kansas Sand and Concrete, Inc., in Topeka, Kansas, and Karen is unemployed.13 Daniel currently earns gross wages of $2,426.67 per month.14 From January 1, 2015, to April 18, 2015, Debtors received $4,200 in unemployment income.15 Debtors’ combined monthly income, including $250 in food stamps and a prorated tax refund of $400, is $2,847.16 Debtors’ monthly net income is $82 after subtracting their minimal monthly expenses for a household of five.17 Debtors estimate a 2015 tax refund of $3,100 of which $1,700 is from the earned income tax credit.18

Debtors do not own any real property.19 Debtors list only $6,125 of personal property 20 of which $5,250 is exempt.21 Debtors’ nonexempt property is: (a) $20 cash; (b) $5 with Quest Credit Union; (c) $350 in bonds; and (d) an inoperable 2000 Dodge Ram with 175,000 miles valued at $500 that needs over $2,000 in repairs.22 23 A Chapter 7 trustee would likely abandon these nonexempt assets in a Chapter 7 case because they are not worth liquidating. Debtors’ exempt property is: (a) $850 deposit with their landlord; (b) $100 in miscellaneous household items; (c) $150 in miscellaneous clothing; (d) $500 in miscellaneous jewelry; (e) two dogs; and (f) two exempt vehicles consisting of a 2002 Ford Mustang valued at $2,900 with 106,-000 miles in fair condition and an inopera-blé 1999 Nissan Quest valued at $750 with 156,000 miles.23 Debtors’ liabilities consist of an $836 secured claim by Quest Credit Union on the 1999 Nissan Quest and unsecured nonpriority claims of $10,138.24 Outside the Plan, the Debtors are making direct payments of $30 per week on the 1999 Nissan Quest to Quest Credit Uni*794on.25 No secured or priority debt is being paid through the Plan.26

Debtors’ Schedule F lists 44 nonpriority claims of which 27 are healthcare related.27 Claims against the Debtors for healthcare services total $4,865, or 48 percent of Debtors’ $10,138 unsecured nonpriority claims. Claims against the Debtors for utilities from Kansas Gas Service and Westar Energy are $2,115, or over 20 percent of Debtors’ unsecured nonpriority claims.28 Thus, 69 percent of Debtors’ unsecured nonpriority claims relates to basic necessities. Debtors’ remaining unsecured nonpriority claims balance consists of: (a) $1,920 to Ad Astra Recovery (Speedy Cash); (b) $215 on a charge account to Comenity Bank; (c) $380 to Eos Cca (Century Link); (d) $173 to Eos Cca (AT & T Mobility); (e) $205 to Virtuoso (AT & T Wireless); and (f) $265 to Unique National Collection.29 Schedule F shows only a single charge account and very little consumer debt unrelated to basic or modest necessities for a household of five with minor children. Debtors do not have any gambling debts.30 The instant bankruptcy filing is not the result of overindulgence.

Since 2010, Debtors have faced at least three garnishment cases in Shawnee County, Kansas, District Court.31 In 2015, American Medical Response sued Daniel to collect on their debt in Shawnee County District Court.32 These garnishments led to the shut off of Debtors’ natural gas and electricity services.33 Debtors’ three minor children “had no hot water to take showers, no electricity to refrigerate food or any means to cook.”34 Debtors’ circumstances were such that they “may never have been able to accumulate the attorney fees on their own” to fund a Chapter 7 filing.35 “Debtors do not have a history of incurring debts with no reasonable hope of repaying them and then subsequently filing for bankruptcy.”36 Debtors’ expenses of $850 for rent, $325 for utilities, $650 for food, $150 for clothing, and $300 for transportation and other miscellaneous expenses are modest, but not unrealistic.37

On August 17, 2015, the Trustee objected to confirmation under 11 U.S.C. §§ 1325(a)(3) and (a)(7)38 and moved to dismiss or convert Debtors’ case to Chapter 7.39 The Trustee admits “the debtors appear to need relief’ but asserts that “this is an attorney fee only case that does not demonstrate ‘special circumstances’ to justify a Chapter 13.”40 The Trustee urges the Court to find that the “inability *795to pay attorneys fees for the filing of a Chapter 7, does not constitute ‘special circumstances’ permitting the case to proceed as a Chapter 13.”41 Thus, the Trustee requests the Court deny confirmation, dismiss the case, or convert the case to Chapter 7.42

. Of note, the Trustee did not specifically object to feasibility or challenge the reasonableness of the Debtors’ attorney’s fees of $2,800.

LAW

Chapter 13 contains two good faith requirements. Debtors must propose plans and file petitions in good faith. Section 1325(a)(3) and (a)(7) provide:

(a) ... [T]he court shall confirm a plan if—

(3)the plan has been proposed in good faith and not by any means forbidden by law; ...

(7)the action of the debtor in filing the petition was in good faith.43

Congress did not define good faith in subsections (a)(3) and (a)(7).44 The Tenth Circuit has developed several non-exhaustive factors to examine good faith challenges. Included among those factors are:

(1) the amount of the proposed payments and the amount of the debt- or’s surplus;

(2) the debtor’s employment history, ability to earn and likelihood of future increases in income;

(3) the probable or expected duration of the plan;

(4) the accuracy of the plan’s statements of the debts, expenses, and percentage repayment of unsecured debt and whether any inaccuracies are an attempt to mislead the court;

(5) the extent of preferential treatment between classes of creditors;

(6) the extent to which secured claims are modified;

i (7) the type of debt sought to be discharged and whether any such debt is non-dischargeable in Chapter 7;

(8) the existence of special circumstances such as inordinate medical expenses;

(9) the frequency with which the debt- or has sought relief under the Bankruptcy Reform Act;

(10) the motivation and sincerity of the debtor in seeking Chapter 13 relief; and

(11) the burden which the plan’s administration would place upon the trustee.45

The Trustee relies on In re Puffer 46 to justify the Debtors’ need to show special circumstances. However, as discussed *796infra,47 this is not required under the Code. The Tenth Circuit and at least one Kansas Bankruptcy Court “look[] to the totality of the circumstances surrounding each debtor’s filing to determine whether ... [they] have filed their Chapter 13 bankruptcy plan in good faith, as required by 11 U.S.C. § 1325(a)(3).”48 “No one factor is determinative, but it is the totality of the various factors and the facts of the particular case that are considered.”49 Thus, Debtors need not show special circumstances justifying the filing of a Chapter 13 plan over a Chapter 7 liquidation. “Only if there has been a showing of serious debtor misconduct or abuse should a chapter 13 plan be found lacking in good faith.”50

The Court examines §§ 1325(a)(3) and (a)(7) simultaneously because the good faith analysis under each subsection is the same — the totality of the circumstances.51

ANALYSIS

A. Debtors Filed Their Chapter 13 Petition and Chapter 13 Plan in Good Faith.

“The principal purpose of the Bankruptcy Code is to grant a ‘fresh start’ to the ‘honest but unfortunate debtor.’ ”52 However, the fresh start is not absolute. “The statutory provisions governing non-dischargeability reflect a congressional decision to exclude from the general policy of discharge certain categories of debts— such as child support, alimony, and certain unpaid educational loans and taxes, as well as liabilities for fraud.”53 Whether Debtors qualify for a fresh start is not at issue as the Trustee admits Debtors need relief.54 Thus, the Court must decide whether Chapter 13 relief is appropriate under the Code.

Chapter 13, commonly referred to as the wage earner chapter, is conceptually a personal or individual reorganization. Individuals with regular income obtain a discharge of most pre-petition debt after successfully completing a court-approved payment plan.55 Debtors make plan payments from “future earnings or other future income.”56 Conversely, under Chapter 7, “the debtor’s assets are immediately liquidated and the proceeds [are] distributed to creditors.”57 Chapter 13 allows the honest but unfortunate debtor time to reorganize her financial matters, including curing pre-petition de*797faults on secured debt,58 curing defaulted leases,59 paying priority claims over three to five years,60 and frequently — but not always — to provide a distribution to general unsecured claimants who ordinarily receive little or nothing under Chapter 7. An individual may not be forced into Chapter 1361 and she is at liberty to seek dismissal of her case at any time.62 From its inception, Congress preferred Chapter 13 over Chapter 7.63

An important distinction lies between Chapters 13 and 7 in counsel’s ability to collect attorney’s fees for debtors seeking competent representation. In Chapter 13, debtors may pay their attorney’s fees through their plan over three to five years. In Chapter 7, debtors must pay their attorney up front before filing and counsel cannot advise debtors to incur debt to pay for representation.64 The reality is many debtors cannot afford Chapter 7’s upfront costs. ,

Most debtors that are contemplating chapter 7 are on the brink of economic disaster. They have creditors harassing, them, calling them nonstop, garnishing wages and income tax returns, and seizing their vehicles to satisfy judgments. These hardworking individuals simply do not have the extra funds to pay a bankruptcy attorney up front in full to file a bankruptcy case to stop the creditors.65

In Chapter 13 cases, “the court does not approve the employment of a chapter 13 debtor’s counsel.”66 Thus, “[a] chapter 13 debtor may generally employ bankruptcy counsel without filing an application to employ.”67 If the debtor’s case is converted to Chapter 7, debtor’s counsel must seek employment by the Chapter 7 estate pursuant to § 327(e) if she wishes to be paid by assets of the estate. Without such application, compensation may not be awarded.68

Unlike other bankruptcy attorneys, a Chapter 7 attorney has no right to compensation under § 330.69 In Lamie,70 the *798Supreme Court held that debtor’s Chapter 11 counsel could not receive compensation post-conversion from chapter 7 estate funds unless she is employed by the Chapter 7 estate. The result from Lamie71 is “that § 330(a)(1) does not authorize compensation to a Chapter 7 debtor’s attorney from estate funds unless the attorney is employed by the trustee under § 327.”72 This “creates severe problems for the debtor’s attorney,”73 Attorneys filing chapter 7 petitions must collect fees pre-petition or risk a discharge of pre-petition fees. However, Wagers74 found that retainers paid as an advancement on post-petition services must be placed in a trust account and are not deemed earned until counsel performs those services. The irony is that if debtor’s counsel procures a sufficient retainer, to the extent it is not used as of the petition date, the balance is property of the estate subject to turnover to the trustee.75 On the other hand, if an attorney in a Chapter 7 case does not receive a pre-filing retainer, then the unpaid fees associated with her pre-petition work are dischargeable.76 This disincentive to competent bankruptcy counsel is profound. Further, it is also difficult and sometimes forbidden for attorneys to solve Lamie77 issues by unbundling or limiting their scope of representation to pre-petition or post-petition services for a Chapter 7 client.78

Under Chapter 13, attorney’s fees are allowed pursuant to § 330(a) as an administrative expense described in § 503(b)(2). With the enactment of § 330, “Congress intended to provide adequate compensation, on a par with that available in other areas of practice, to attract competent counsel to the bankruptcy specialty.”79 The bankruptcy practice needs competent attorneys as

[i]t is absolutely imperative that competent counsel be motivated to seek, accept and ably handle Chapter 13 cases. That motivation starts with being fairly compensated for the work they perform. The complexity and importance of the work, alone, justify such compensation, but there are other reasons able counsel are vital to the system. The most important reason is that this Court rather routinely sees pro se debtors “give away” rights or property that they would otherwise be legally entitled to retain because of their ignorance of the law.80

*799“[Sjtudies show that debtors with legal representation tend to have a much higher success rate in bankruptcy proceedings than pro se filers.”81 In one study, only 0.8 percent of post-BAPCPA pro se debtors received a discharge.82 The same study found that “[n]ot one of the post-BAPCPA cases filed with the assistance of a petition preparer ended in the debtor receiving a discharge.”83 This Court also notes that even experienced non-bankruptcy attorneys who themselves file for bankruptcy relief frequently hire bankruptcy counsel to navigate the Code’s unique parameters. Fairly compensated counsel is beneficial to both debtors and the bankruptcy bar because “attorneys must be zealous advocates for their clients while attempting to keep their lights on in their own offices.”84 “[P]reserving the integrity of the bankruptcy system includes encouraging, not discouraging, excellence in legal representation of consumer debtors.”85 “A requirement that attorneys provide pre-petition representation for free or that debtors find family members or friends to bankroll their case runs contrary.to the priority structure outlined in §§ 330, 503, and 507 .and to the notion that debtors are entitled to competent and properly compensated representation.”86

At issue is whether the Code permits Debtors to file under Chapter 13 in good faith when allegedly the only reason they elected Chapter 13 is because they do not have the ability to pay up front for representation in Chapter 7.87 Bankruptcy courts are divided on this issue. Courts in New York, New Hampshire, and Massachusetts have rejected attorney-fee-only plans as contrary to the spirit and purpose of the Code.88 However, three circuit courts have found that attomey-fee-only Chapter 13 plans are not per se bad faith.89 Courts in North Carolina, New Mexico, Wisconsin, Illinois, and Kansas have also upheld attorney-fee-only Chapter 13 plans.90

*800The Trustee cites three circuit cases — Puffer91 Brown,92 and Crager 93 and one Western District of Missouri case — Arlen 94 — addressing good faith in attorney-fee-only Chapter 13 plans. The First Circuit in Puffer determined that attorney-fee-only Chapter 13 plans are not per se bad faith. Puffer noted that good faith under § 1325(a)(3) is analyzed based on the totality of the circumstances and the debtor “carries a heavy burden of demonstrating special circumstances” justifying their plan.95 Notably, the last component of this court-made rule is not found in the Code and is not the law in the Tenth Circuit.96 Further, Law v. Siegel97 does not authorize this Court “to recognize exceptions to the Bankruptcy Code that are not statutorily authorized.”98 Thus, the court-created heightened confirmation standard in Puffer requiring ‘special circumstances’ violates Law v. Siegel — bankruptcy courts do not legislate. “[C]ourts should not overhaul the traditional good faith analysis when dealing with fee-only plans.”99 In assessing good faith under §§ 1325(a)(3) and (a)(7), the Court need only apply a totality-of-the-circumstances test.

The Eleventh Circuit in Brown100 affirmed the bankruptcy court’s denial of an attorney-fee-only plan, applying a totality-of-the-circumstances approach. The Eleventh Circuit noted that “the bankruptcy court did not apply a categorical rule prohibiting attorney-fee-centric or attorney-fee-only chapter 13 plans.”101 Additionally, “[a] few months after denying Brown’s Chapter 13 plan, the same bankruptcy judge confirmed an attorney-fee-centric Chapter 13 plan____”102

In Crager, the Fifth Circuit found that “[t]here is no rule in this circuit that a Chapter 13 plan that results in the debt- or’s counsel receiving almost the entire amount paid to the Trustee, leaving other unsecured creditors unpaid, is a per se violation of the ‘good faith’ requirement ....”103 The Crager bankruptcy court also noted “that it would ‘border on malpractice’ for Crager’s attorney to advise her to file a Chapter 7.”104 Ultimately, applying the totality-of-the-circumstances test, the court found the debtor’s filing responsible, given the debtor’s circumstances.105

In Missouri, Arlen106 held that “[a] Chapter 13 plan which pays only the administrative expenses of the proceeding, *801primarily debtors’ counsel’s fees, and makes no payment to any creditor, secured or unsecured, violates the spirit and purpose of Chapter 13 and is not proposed in good faith.”107 This Court does not find Arlen persuasive. Instead, the Court finds Molina 108and Wark109 persuasive. In 2009, Molina found that a debtor in economic straits may file an attorney-fee-only plan.110 Recently in Wark, another bankruptcy judge in this District confirmed several attorney-fee-only plans, finding that the totality-of-the-circumstances test applies to determine good faith under § 1325 — specifically rejecting special circumstances as a piece of the § 1325 good faith inquiry.111 Further, “the ‘primary purpose of the good faith inquiry is to determine under the totality of the circumstances of a case whether there has been an abuse of the provisions, purpose, or spirit of Chapter 13.’ ”112 In referencing attorney-fee-only Chapter 13 cases, Wark noted:

Yes, there may be no distribution to unsecured creditors. Again, in a perfect world, all debtors would fde Chapter 13 plans and repay all their debts, and no creditor would walk away empty handed. But we do not live in that world.

Instead, this is a world where debtors are harassed by daily collection calls for admittedly delinquent debts. Where they are repeatedly required to miss work to attend a cattle call docket to explain why they haven’t paid old medical bills. Where they cannot afford to keep the gas on, and feel compelled to incur title or payday loans at exorbitant rates to feed their families. Where their meager wages are reduced even further by garnishments. Where they opt not to seek necessary medical care or take prescribed medication because they cannot afford it. This is the world these Debtors live in, and this real world sometimes requires bankruptcy, even if the debtor cannot save enough to pay the up front [sic] attorney’s fees required to file a Chapter 7.113

Courts rejecting attomey-fee-only Chapter 13 plans express concern that the filing itself solely benefits the attorney — not the debtor. In Kansas, and in general, attorney’s fees in Chapter 13 reorganizations are higher than Chapter 7 liquidations.114 Courts fear attorneys choose Chapter 13 instead of Chapter 7 to secure higher fees and win the client when they cannot otherwise afford Chapter 7’s upfront costs. This view is misplaced for two reasons. First, under an attorney-fee-only plan, that attorney foregoes compensation should the debtor’s plan not be confirmed. Additionally, confirmation does not mean that same attorney is off to the bank. That attorney may not be fully compensated should the debtor’s plan collapse down the road. Attorneys filing Chapter 7s do not.face this risk. This is an important distinction as much of an attorney’s time and effort is spent pre-petition and pre-confirmation driving a debtor’s plan to confirmation. The reality is that lower income debtor’s eases are time consuming. Second, money is worth more the sooner it is received— *802the time value of money.115 Securing a fixed fee over three to five years is different than receiving that same guaranteed fee today. An attorney solely out for herself would prefer receiving her fee up front. This is different than waiting to see if a debtor’s three-to five-year payment plan comes to fruition. Allowing an attorney-fee-only Chapter 13 plan gives debtors access to the automatic stay and fresh start “while fairly compensating the attorney for the risk of nonpayment.”116

Chapter 13 cases are more work to prepare, are more involved, and expose a debtor’s attorney to nonpayment. Frequently, a Chapter 13 bankruptcy is financially a losing proposition for a debtor’s attorney. Most of an attorney’s work in the majority of Chapter 7 cases is completed up front during the early stages of a case that generally closes within six months. However, a Chapter 13 debtor’s attorney is obligated to her clients for three to five years during which much can happen requiring additional attorney time. Chapter 13 debtors’ attorneys often help their clients through payment defaults, repair or replacement of essential property such as vehicles and household appliances, unemployment or underemployment, and medical bills. All of this occurs after the debtor’s attorney successfully navigates plan confirmation but before the attorney receives full payment through the plan.

Some believe that “success in chapter 13 can be looked at by the percentage of cases in which a repayment plan is completed. With only a little over one-third of chapter 13 debtors achieving plan completion, some may conclude that chapter 13 is a failure.”117 However, this is not true in Kansas. Although it would not change the Court’s analysis, the Court notes that the Chapter 13 process in Kansas works well.118 In Kansas, the Chapter 13 confirmation rate is more than 90 percent, compared to the national average of 70 percent from 2007-13.119 The Kansas Chapter 13 plan completion rate exceeded 60 percent for the same time period.120 In 2013, 71 percent of Kansas Chapter 13 cases were closed by discharge compared with 45 percent nationally.121 Nationally, only 36 percent of Chapter 13 debtors complete their plans.122 At less than one percent, Kansas also posts one of the lowest refiling after dismissal rates in the country.123

Under the totality of the circumstances, Debtors filed their petition and Plan in good faith in accordance with §§ 1325(a)(3) and (a)(7). Section 1325(b)(1) also provides for plan confirmation if the debtor commits all projected disposable income to the plan during the commitment period. This suggests “that the percentage of repayment to general unsecured creditors [is] not an issue of good faith.”124 Thus, the Code does not require a minimum distribution to unse*803cured creditors as part of the §§ 1325(a)(3) and (a)(7) analysis as long as Debtors comply with §§ 1325(b)(1) and § 1325(a)(4).

There is no doubt that Daniel and Karen need financial relief and their circumstances demonstrate they qualify for Chapter 13. Garnishments caused utilities to terminate services, leaving Debtors’ three minor children without hot water and electricity. Debtors are living day-today on the financial outskirts of the economy. Chapter 13 affords Debtors immediate relief. Debtors chose Chapter 13 after consulting with bankruptcy counsel because they could not afford the Chapter 7 upfront filing costs. Debtors have no previous bankruptcies, there are no inaccuracies in Debtors’ schedules, and no other statutory provisions prevent Chapter 13 relief. The Court does not find any evidence that Debtors’ petition or Plan are an attempt to abuse or game the provisions, purpose, or spirit of Chapter 13. The Court does not find the treatment of Debtors’ unsecured creditors unfair as those creditors would receive the same under Chapter 7 because Debtors do not hold any nonexempt property that a Chapter 7 trustee would liquidate.

Importantly, the Code does not require a minimum distribution to general unsecured creditors.125 Section 1325(a)(4) only requires general unsecured creditors to receive at least as much as they would under a hypothetical liquidation. Additionally, unsecured creditors may fare better in a Chapter 13 because Debtors must devote at least the next three years of income to fund their Plan, and unsecured creditors may participate in any increased future earnings. Under Chapter 7, unsecured creditors would not share in any increased earnings or post-petition windfalls. Thus, unsecured creditors are not disadvantaged, and Debtors’ have shown their petition and Plan comply with the good faith provisions of §§ 1325(a)(3) and (a)(7).

“[Cjourts have ‘repeatedly emphasized Congress’s preference that individual debtors use Chapter 13 instead of Chapter 7.’ ”126 The Supreme Court has held that bankruptcy courts may not “recognize exceptions to the Bankruptcy Code that are not statutorily authorized.”127 It is ethical for attorneys to provide relief to their clients now and receive payment over time. Read together with the aforementioned analysis, the Code does not prevent qualified debtors from filing attorney-fee-only Chapter 13 plans.

B. Debtors’ Chapter 13 Attorney’s Fees Are Reasonable.

Under § 330, the Court finds that Debtors’ attorney’s fees of $2,800 are reasonable based on the Court’s experience adjudicating Chapter 13 filings in the District of Kansas.128 Further, the Trustee *804did not object to the reasonableness of Debtors’ attorney’s fees.

CONCLUSIONS OF LAW

Based on a totality of the circumstances, Debtors’ Chapter 13 petition and Plan were filed in good faith in accordance with §§ 1325(a)(3) and (a)(7). Debtors need not make a showing of special circumstances and nothing in the Code forbids attorney-fee-only Chapter 13 plans.

IT IS ORDERED that the Chapter 13 Trustee’s objection to confirmation is overruled and his motion to convert or dismiss is denied.

IT IS SO ORDERED.

The relief described hereinbelow is SO ORDERED.