Can you stop a bankruptcy once you file?

[joex]

I filed bankruptcy in June of 07 and it is still not fiished/been accepted by the court. It is 100% bankruptcy and I have been making payments since July 2007. I am working with my mortgage company so they don't foreclose. I am now able to afford the payments and don't want to go through with the bk. Any experience on this matter? Thanks.

[MajorMike]

Once you file, it is on your credit record for 7-10 years. Why hasnt it been confirmed yet?

[joex]

Once you file, it is on your credit record for 7-10 years. Why hasnt it been confirmed yet?

I know it is on credit but that is not my question.
Has not be confirmed because has not gone to court until next month.

[coma]

You can file a motion to dismiss your Ch 13.If you have other creditors, they will likely pursue those accounts and add interest and fees.

[HHM]

Sounds like you are in a chapter 13; so you yes, you can voluntarily dismiss the case no questions asked. However, you may really want to crunch the numbers on this, 90% of the time, it is better in the long run for a person to stay in their chapter 13 to the end, then dismiss it.

Ask your self, could you be OUT of debt in 5 years if you dismissed your case (be realistic), if the answer is no, you should probably stay in the chapter 13.

Take a look at this thread and do the suggested exercise

http://www.bkforum.com/showthread.php?t=11328

[joex]

Thanks for the help. Also, I have made an agreement with my mortgage company, they are going to lower my payment it is going to be 3k a month.( I have not made a payment since a month before I filed my bk.)My payment to the trustee is $800.00 a month. Can I get my payment to the trustee lowered now that I have a mortgage pmt?

[coma]

If your budget has changed, you can file an amended plan to show the difference.

[joex]

If your budget has changed, you can file an amended plan to show the difference.

Great! Thanks all for the help.