The bankruptcy cannot modify the mortgage; it can only cure the arrearage.
However, you can pursue modification on your own outside of the bankruptcy. You have to contact your lender and stay on them until they produce or deny a modification; they usually have a tendency to not be too motivated to do it unless you call them daily to check progress.
So here are some rough guesstimates, hypothetically
House arrearage $12,000
Attorney fees $3,000
Unsecured debt $1,000 (you have to pay as much as you can afford)
Ch 13 Trustee
fees (normally around 7% of total) $1,120
$17,120 divided over 60 months = $286/mo.
So, hypothetically, if one only owed the amounts above and the amounts were accurate, one could file Chapter 13, immediately start paying the court $286/mo for 60 months to catch up the house and discharge all other unsecured debts, and immediately start making mortgage payments again in addition to
Of course these amounts are estimates, they do not take into account other secured creditors or priority debts you might have, the Means Test
can impact the amount going to unsecured creditors (so if you make too much money, the $1,000 going to unsecured debt above could turn in to, say, $20,000, massively upping the payment), and trustees fees and attorney fees vary WIDELY from district to district, but assuming the numbers above are close to accurate, then a Chapter 13 Plan might cost around $286/mo in addition to your mortgage. Some districts also make you pay the mortgage through
the Plan if the mortgage is behind when you file, so this would massively impact the numbers (i.e. instead of having a Plan payment and a mortgage payment, you would just have a Plan payment that would be higher by roughly the amount of your mortgage payment plus the trustee fee, then the court would make your mortgage payment from the Plan payment, so you would only have one payment each month to cover it all - again this varies by district whether this is an option, required, or forbidden). I am not quoting this to tell you an amount to expect
(it would be a major coincidence if my number was accurate), but to give you an idea of the how the math
will work. You will need a lawyer to review your information and make a determination of how much a Chapter 13 Plan will cost for your particular case.
Any more questions, let me know.
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