Hello I am a licensed attorney here to help you with your question, please review my response and do not hesitate to ask for clarification
Did you file a chapter 13 bankruptcy which is a payment plan?
Can you afford your mortgage now or do you want to change the payment terms?
Yes it was chapter 13, With a payment of 295.00 a month to the trustee. for a minimum of 36 months. Before I filed bankruptcy, I tried loan modification which was unsuccessful due to the payment increase for 6 months they requested. My son also receives a military survivor check which just covers the mortgage.So I'm good with the mortgage for now... I drive a school bus and only clear aprox. 900.00 a month with the 295.00 for the trustee, 240.00 for car and life insurance. 100.00 att-uverse 150.00 US Cellular (I have a daughter in college) 30.00 a month in prescriptions for my HBP and acid reflux.With the utilities and a possible 25.00 co-pays if I get sick and need to go to my doctor barely have enough for food or gas in my car to get to and from work.
You have two options you can consider:
1. Dismiss your current chapter 13 case, and continue to pay the mortgage, and stop paying your other debts, by doing this you save payments to the creditors for some time, and you can file your taxes and keep your refund, then in 6 or 12 months if needed you can file a chapter 13 again.
2. File a motion to amend your chapter 13 to consider the lowered monthly income, this would reduce your payment plan since you have a decreased in income.
3. Convert your case to a chapter 7, and discahrge all your debts, and reaffirm the mortgage and pay them so you can keep your home.
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