Chapter 13 payment and extra monthly money?

[Mtinny]

We are currently in the beginning stages of filing chapter 13. Can anyone tell me if after the restructuring with the payment do you have extra money left over at the end of the month? Right now before filing we are currently very tight or have a deficit of money.

[Mom13]

Our plans was a 0% to unsecured creditors...showing us with a deficit paying the Chpt 13 payment but the trustee still approved it - and increased our payment after the first year. Get ready to struggle! Also, remember that you can't get out of the Chpt 13 in less than 36 months, no matter what! We wanted to refinance our house and use the equity to pay off the Chpt 13 but were denied by the trustee because we had been in the plan less than 36 months. This site has great information though!

[dck]

Have you ever heard of someone in a longer than 36 month plan being able to pay down to make it a 36 month plan? Say through some sort of extraordinary windfall.
And Mom13 is correct...it is a struggle, but there is light at the end of that tunnel where there may not have been any before.