Well..you can't really be late on any payment you signed a legal agreement and swore you would pay on time...without breaking the terms of the agreement and being entirely wrong and likely having consequences. Apparently you didn't care about what your own word meant before, why would it have any more worth now? Or, likewise if you think you may want to swear to someone about how you'll act (like paying them back) again in the future.
IT IS NOT OK TO NOT DO WHAT YOU PROMISE AND HAVE OTHER PEOPLE RELYING ON YOU TO DO...it can be illegal too.
Report? You mean on to credit reporting Cos, a private information service of business that share information? Sure. They can't attempt to collect it. We live with the accurate history we make...and it won't be changed, like your being a late pay won't change..even after the BK discharge...late pay is what happened.
If you are late on a chapter 13 payment you are at risk of having your case dsmissed. Please try to make payments on time and make payments up if you missed any due to a miscommunication.
yes, if i can
The moment you propose your payment plan.
no
When it pertains to a chapter 13, the trustee receives the payment amount stipulated in the approved BK, and disburses the funds in accordance to debt priority. Chapter 13's are more expensive than "7's" because of the additional work involved in the payment and accounting of debts.
If you mean, can they be included in a chapter 13, the answer is, they must be. If you mean, can you file a chapter 13 because of garnishments and secured loan payment arrears, yes, that's what chapter 13 is for.
There is no real "punishment"for not meeting the obligations of chapter 13 (which are usually pretty strict repayment plans). The negative side effect is that filing for bankruptcy will be on your credit report and your payment obligations will be due in full (rather than the reduced payment plans established by chapter 13) which can be very difficult.
Generally you should not have to because a chapter 13 protects your assets through the payment plan you filed with the court.
Many people struggle with keeping up with the strict payment plans that go along with the chapter 13 bankruptcy. Typically when you cannot keep up with your payments you should talk to the court and also consider the possibility of switching to Chapter 7.
Money for your plan payment, tax refunds.
You can't really get in trouble for quitting your job. You will still have to make your payments whether you have a job or not. You may have to reconfigure your Chapter 13 payment plan.
In Chapter 13, you have the option to continue to pay for your car lease payment or you can opt out of your car lease payment. The trustee may not allow you to buyout a car lease if other outstanding secured debt needs to be paid.