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I Can’t Afford My Chapter 13 Bankruptcy Payment. – Russell

“Dear Steve,

I filed chapter 13 1 year ago. During the initial counsult with my attorney I informed him that my income looked high because of the overtime I had been working. I also told him that I can’t count on the overtime being there. So off we go into a payment plan based on my income including the tons of overtime I was previously getting. No the overtime isn’t there like it used to be and I am now getting behind on other monthly payments but the chapter 13 gets paid through an alottment. Also can I convert to a Chapter 7 ??? What is the time period for doing so????

The chapter 13 gets paid right out of my paycheck and I have hardly no money left over to live on??? Talked to my attorney 1 week ago with no response??? What can I do. I’m sinking further down the hole

Russell”

Dear Russell,

Just keep nagging your bankruptcy attorney for a payment modification. This is a fairly common process and with documentation the bankruptcy trustee will probably accept the modification.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

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Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

4 Comments

  • hey Steve,

    I filed a chapter 13 a little over a year ago. Though my income has stayed the same I am struggling and am living paycheck to paycheck. Ive also had a couple of bills go into collections since I filed so im in the same boat i was before i filed.. I want to just cancel my bankruptcy in its entirety. Is this possible?

  • hey Steve,

    I filed a chapter 13 a little over a year ago. Though my income has stayed the same I am struggling and am living paycheck to paycheck. Ive also had a couple of bills go into collections since I filed so im in the same boat i was before i filed.. I want to just cancel my bankruptcy in its entirety. Is this possible?

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