Hi - my name is XXXXX XXXXX I'm a Bankruptcy attorney here to assist you.
I am sorry to hear about the loss of your husband.
Is most of the $1395 being paid to unsecured creditors (in addition to the Bankruptcy administration fee)?
Thank you for your response.
You can apply for a reduction in your Chapter 13 plan monthly payment. In fact, this should have been done one year ago, as soon as your income was reduced.
Chris - all our dept was unsecured creditors - my question is if i stop paying after three years (two more years to go) will they come after my houses? Don't know what to do
Do you live in either of the 2 houses?
Chris - i called my attorney 1 year ago and told him but he said I couldn't get them reduced
this is why i am asking for another advise
Unfortunately, your attorney may not be telling you the truth. Every Chapter 13 filer has the absolute right to have their payment reduced at any time that their income is reduced. This right is provided for in the Bankruptcy Code.
If your attorney will not file the papers necessary to get your payment reduced, it is recommended that you contact another Bankruptcy attorney. You can find one by calling the Texas Bar Association. The number is
I am VERY confused - I talked to him at great length about this and he said I couldn't. I will take your advice Chris and thank you soooo much
Just one more thing IF i did stop paying could I lose my houses
Yes - because if you stop paying, your debts will not be discharged. If your debts are not discharged, your creditors can put liens on your houses, and then force the sale of them.
Thanks - if I can't get results from my attorney I'll take your advise. Thanks again, Joan
You're welcome again!
But before you go, please don't forget to provide a positive rating for my help.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).