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You filed Chapter 13 and now that you are not working the payments are too high Everytime you contact your attorney the payments seem to increase even though your income does not Now you are in danger?
MaryFord
Contacting the attorney adds to the misery as one is having to pay for additional legal advice. An attorneys time is not free.
Would suggest getting a second job to get this debt cleared. There are extra jobs available almost everywhere - may not be a job to our liking, but when the chips are down, any job is a job that gets you out of debt.
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∙ 16y ago
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If you get a raise or another part time job while paying off a chapter 13 can they increase your payments each month?
== == YES, of course they can, by applying to the court for a "change of income " ruling, and a new judge's order to increase your payments per month, based on your new level of income. They will use the payroll records at the job to argue for an increase in your payments.
Can a mortgage company add past-due payments that were included in a chapter 13 to the amount owed on a house and increase monthly payments to make up for the amount added?
Absolutely not, once a debt is covered by chapter 13 bankruptcy. That debt and its interest rate can no longer be billed for.
How long can you stay in your home after chapter 7 bankruptcy in Illinois?
If, after meeting with an attorney, it is determined that you do not have an equity position in your home that exceeds the Illinois statutory exemptions, you will be able to keep your home in a Chapter 7, as long as you continue to be current on your monthly mortgage payments.
If you file Chapter 7 Bankruptcy can the lien holder on a car already repossessed that you are making payments on still collect?
IF its filed properly,NO. Why not ask your B/K attorney this question??? That's what you pay them for.
How old does your car have to be to file under chapter 13 bk law?
There is no age limit for cars. The amount of equity you have in the car can matter, but in a Ch 13 it only effects the payments you have to make. Consult an attorney for details. Speak with an attorney about your specific situation. If you can not find an attorney, contact your local Bar association and they will refer you to one.
Can you become current on your mortgage payments after a motion of relief has been requested from the courts to avoid foreclosure during Chapter 13?
Generally, yes. Have your Attorney contact the attorney for the other side and discuss the situation. Most of the time, you can object to the motion and work something out the week before the hearing. Word of advise... Make sure you have an attorney. The attorney for the bank does NOT want to hear from you personally.
If you are in chapter 13 in Pennsylvania but moved to Florida and cannot afford your car payment and voluntarily surrender the vehicle what will happen with bankruptcy court?
A number of things can happen based on number of different factors. You won't have the monthly car payments anymore, so you might need to modify your plan to reflect increase your plan payments because of the lower expenses. Or it might be better to convert to a Chapter 7 or dismiss the Chapter 13. Converting to a 7 would eliminated the possibility of the car lender getting a deficiency judgment after selling the car. Most people file Chapter 13 either because the want to keep property that they couldn't keep in a Chapter 7 or because they have debt that can't be discharged, so it is time to review your situatiowith a quaified bankruptcy attorney and see if you should still be in a Chapter 13.
What happens if you are late on chapter 13 payments in the state of Georgia?
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.
How do you restore credit after chapter 13?
Make payments on time
What chapter should you file if you are behind on your mortgage?
only in chapter 13, you cannot use chapter 7 to catch up on past payments.
How can anyone afford to pay back a chapter 13 the payments are outrageous?
All chapter 13 payments are scrutinized for ability to pay. If the plan payments were outrageous, it is highly unlikely that the court would approve a plan that a debtor would be unable to pay.
Can i Switch chapter 13 to chapter 7?
Yes. Its called Conversion. Speak with an attorney about your specific situation. If you can not find an attorney, contact your local Bar association and they will refer you to one.
