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218 trustee shall make payments to creditors under the plan, a Chapter 13 debtor is permitted to make payments directly to his creditors. 11 U.S.C. § 1326(c); See Matter of Mendoza, 111 F.3d 1264 (5th Cir. 1997). 5. Post-Confirmation Modification of the Plan At any time after plan confirmation but prior to the completion of plan payments, the plan may be modified, upon request of the debtor, the trustee or the holder of an allowed unsecured claim, to (i) increase or reduce the amount of payments on claims of a particular class under the plan, (ii) extend or reduce the time of such payments, (iii) alter the amount of the distribution to a creditor whose claim is provided for by the plan to the extent necessary to take account of any payment of such claim by means other than under the plan, or (iv) in certain circumstances, reduce amounts to be paid under the plan to permit the debtor to purchase health insurance for the debtor or one of his dependents. 11 U.S.C. § 1329(a). Although a showing of a substantial change in the debtor's financial condition after confirmation may warrant modification of the debtor's plan, Section 1329 does not include any express threshold requirement for modification, and most courts have been loath to read one into the statute. See Roberts v. Boyajian (In re Roberts), 279 B.R. 396, 400 (B.A.P. 1st Cir. 2000), aff'd, 279 F.3d 91 (1st Cir. 2002). G. Effect of Confirmation and Discharge 1. Effect of Confirmation A confirmed Chapter 13 plan is binding on the debtor and each creditor, whether or not the claims of such creditors are provided for by the plan, and whether or not such creditors have objected to, accepted or rejected the plan. 11 U.S.C. § 1327(a). Furthermore, except as otherwise provided for in the plan or confirmation order, confirmation of a Chapter 13 plan vests all property of the estate in the debtor free and clear of any claim or interest of any creditor provided for by the plan. 11 U.S.C. § 1327(b)–(c).

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