Checked PACER this morning, got my plan modified from $1100/month to $400/month. Hubby became disabled (back injury) so our income dropped. First attorney put in a 3-month suspension of payments in March, when that was up she put in for a modification of plan. We also got permission to buy a car as part of the modification (this adds $300 to our monthly budget, so the real change in our total budget is only $400, but much better to be paying less and getting a used minivan in the deal!). We've been waiting forever for the ruling it seems (ok, just since June 2nd) but the judge back-dated it to June and since we already paid our June and July payments, we're also going to get a refund of $1400! So, while being in a CH 13 sucks most of the time, today it is pretty sweet! Just had to share that 1) yes, you can get your plan modified if "life" happens, and 2) yes, you can get a car in CH 13, although finding financing was tricky but do-able.
Only 37 payments to go!
Only 37 payments to go!
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