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so what happens if youre in a chapter 13 bankruptcy case and something changes something changes in regards to your income where you maybe you were paying all your creditors back in full but now maybe you cant because your income has dropped that comes up theres lots of different scenarios that could come up and in order to resolve those we can file something called a post plan modification so when you get your case approved in the chapter 13 your chapter 13 plan is confirmed so that means this is how your case is set up this is how youre going to pay your creditors off thats what the plan is so once its confirmed a lot of clients think oh my god its totally set in stone and I can never change it well there are some things we cant change like in our district you cant all the side sudden decide three years into your case that youre now going to surrender your car and you dont want to pay it we cant do that you will be bound by your confirmed plan but there are a lot of situ
