quick pay off?

[worriedbk7]

My husband and I are trying to get a chapter 7. We want to surrender our house and cars. What would happen if we were forced into a 13? If we were to do a chapter 13 and let's say that we are supposed to pay back 50% of unsecured debt. Could a relative or friend give us that 50% so we are not at the trustee's mercy for 3-5 years? Then we would be done with it.

[HHM]

No,

The requirement for a chapter 13 is that you devote your disposable income for AT LEAST 36 months. To pay less than 36 months, you either need to pay 100%, convert to a chapter 7, request a hardship discharge.

[Mom13]

In our experience (Texas) the Trustee NEVER allows this unless there are very unusual circumstances. Also, they definitely can increase your plan any time within the first 36 months.