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After you file, changes and additions can be made, but for a price. Each attorney has his/her own hourly fee plus there are filing fees as well. Changes like motions to redeem, appeals, schedule amendments, work on a contested matter or formal objection, or adding a creditor all can cost extra beyond the initial bk costs.
For example, our lawyer told us it would cost us about $100 (court filing fee + attorney fee) each time we needed to add a creditor or creditors we forgot to our schedules after we filed. Definitely worth making sure to include all your creditors the first time!
I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.
06/01/06 - Filed Ch 13
06/28/06 - 341 Meeting
07/18/06 - Confirmation Hearing - not confirmed, 3 objections
10/05/06 - Hearing to resolve 2 trustee objections
01/24/07 - Judge dismisses mortgage company objection
09/27/07 - Confirmed at last!
06/10/11 - Trustee confirms all payments made
08/10/11 - DISCHARGED ! 10/02/11 - CASE CLOSED Countdown: 60 months paid, 0 months to go
Yes, but the minute you change an expense that seems a bit low they pretty much got ya. They don't like it when a debtor amends forms to add expenses or change the amount of an expense. Once you do this the us trustee may object to it and the judge may agree with him and your credibility is shot.
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