You should get it all back. I'm actually surprised why this was a chapter 13? Didn't pass the means test?
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Your creditors are required to file a proof of claim within 90 days of your first date set for your 341 hearing and for government claims within 180 days. If they fail to file a claim within the claim within the required time frame then the claim can be disallowed. If in fact none of your creditors filed a claim and there are no creditors to distribute the funds to then you should be able to get your case discharged early.
If the time for them filing a claim has passed then you need to talk to your attorney to have your case discharged early since there are no creditors to distribute payment to.
Once the time has elapsed for filing claims, that's it. Once your attorney & your trustee are paid, you will be offered the option of an early discharge with no additional money to pay. In some instances, you may wish to pay certain creditors off through the bankruptcy as a form of settlement, and in that instance, you have the right to file a claim on behalf of your reluctant creditors. Hope this perspective helps!
Creditors have the 90 days that my colleague mentioned to file a proof of claim after the initial setting of your 341 Meeting of Creditors and if they fail to do so AND were properly notified of your bankruptcy filing and the opportunity to file a proof of claim then the debt is discharged at the conclusion of your case. If there are creditors that I want to make sure are paid something, (such as a mortgage creditor) I will file a proof of claim for them if they do not file one. In your situation, your attorney needs to make sure that any judgment liens that can be avoided are avoided and you should be eligible to receive your discharge once your attorney's and trustee's fees are paid and you should receive any surplus funds as a refund after your case is closed. If you have an attorney, make sure you confirm this with him/her.
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