New law refinance?

[didddos]

I've been reading the forum but am confused about the old vs. new laws.

We filed chapter 13 in November. We have an arm that just went up. We can't afford to keep this up for 5 years. Do we need to wait one year to refinance? What process should we follow?

Something's gotta give. Any/all help appreciated.

[treehugger1]

I would speak to your attorney and at least file an amended payment plan. This could give you time, if needed, to work out a refinance and discuss options with the trustee.