Are you there?
That does not seem to make sense, I have never had one go more then a month or two over the 5 years. If you income drops usually you go in and modify the payment, and modify the percentage you are paying to your unsecured creditors. Are you paying back secured creditors like a past due mortgage?
back taxes if they were not old enough to be dischargable would have to be paid back at 100%, but I still can not see them letting you go on for that long.
In my district if you can not afford to pay the secured debt back within the 5 years they would just deny confirmation of the plan or in the case of a modification they would dismiss the case or convert to a chapter 7.
Are you sure that your case was not started over for some reason?
You need to get a hold of your attorney so he can look deeper into it and see what is happening and explain it to you. The other option would be to call the trustees office and see if anyone in their office will clarify it for you.
Also make sure to look at the order that was given when the case was modified for some clarification.
The other possibility is that when your attorney did the motion to modify the payment down, he did not include a request to lower the percentage paid to the unsecured creditors? Again you would have to look at the motion he filed and the associated order.
Hopefully you can get a hold of your attorney, or another attorney as it sure seems like you need some professional assistance with your case.
yes, if I step away just put in your question and I will respond when shortly.
you only need to request a hearing when the trustee objects to the modification, otherwise you upload the order and the judge signs it.
It seems like the issue is that there was not a request to modify your percentage to unsecured creditors filed which could explain the length of your plan.
You are going to have to talk to your attorney or the trustee to find out what the exact issue is, its to bad your attorney is not returning your calls.
what do you mean by 99% unsecured? what was your original amount to be paid to the unsecured creditors?
I wish I could provide more help, but I do not think I can offer much more help on this one, someone needs to look at your complete case and talk maybe talk to the trustee to see what is actually going on, hopefully I have given you some insight into the problem
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