Carmella, I am glad you feel it's worth it for you. I do not feel it's worth it for me, given that our payment TRIPLES for more than FOUR YEARS. Nope. And we are not going to do it, either. Our plan has not been confirmed, I'm not going to agree to it and will go before a judge if needed. And also if...

justbroke, got it, thank you again

Hi justbroke, thank you! I didn't know any of this and honestly am feeling bitter toward them (will get over it though) and very thankful to you all. Do the attorney and trustee make the plan and confirm it without letting us review it? For example, if the attorney is just now starting on the plan based...

Hi justbroke, I apologize, I should have been more clear in my initial post. We only had the first hearing and that's where the trustee said payment would increase later. I spoke with my attorney about it after and he said we would submit a new budget down the road to adjust the payment and account...

shipo thanks, I have a lot of thinking to do....

Sorry to hear this, Barbisi. I'm leaning toward throwing all this chapter 13 stuff out the window and braving it on our own. Will see what happens at confirmation hearing. Good luck to you also....

justbroke, shipo, flashoflight, thank you all for your replies. This is making more sense now. Just broke, special thanks to you for your detailed replies, especially the one right above. Saving this thread for reference. I really appreciate it, thank you.

No, these are not other things incurred after filing. We live in a home full of leaks, leaky roof, old pipes that keep bursting, all kinds of repairs needed to simply stay safe in our home. These are not frills. Also, we didn't work out our plan based on a set amount then divided into payments. Do we...

Thanks for your reply, but we didn't have these expenses before filing because we could not afford them. I was counting on getting this stuff done when the car was paid off. This is not a gift and nothing is paid off faster from the car loan money going to creditors. It's still going to take 60 months...

Hi everyone, I'm new here and new to chapter 13 and have a question please. In our trustee hearing the trustee said that when our car payment ends in a year our monthly payment will increase. The attorney said later it will increase by the same amount as the car payment. No one told us this would happen...