When I started the bankruptcy in 2/ 2012 I had a arrears balance. Which is currently being paid on in my bankruptcy? Can I still file a motion to my plan to include the mortgage in the plan or is it considered in the plan already because I had an arrears?
My representative mentioned I would have to make catch up payments in addition to regular monthly payments. Is that the same as adding it or modifying my bankruptcy plan? Also suggested, I pay some of the funds which I willing to do, but it will be very hard to pay monthly payment and catch up payments.
Thought about converting to a Chapter 7- if possible would I lose my house or can I reaffirm it along with my auto .
Thanks for your help
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