DEBTOR(S ) DECLARATION IN SUPPORT OF MOTION TO MODIFY CHAPTER 13 PLAN AND AMENDED SCHEDULES I & J Sa: Fill out & sign online

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Click ‘Get Form’ to open it in the editor.
Begin by entering your name(s) in the designated field for Debtor(s). Ensure that all names are spelled correctly as they appear on official documents.
In the section regarding changed circumstances, clearly describe why you can no longer continue with the current Chapter 13 plan payments. Be concise yet thorough to provide a complete picture of your situation.
Review the Amended Schedules I and J that accompany this declaration. Confirm that you have read them and that they accurately reflect your financial situation. Indicate the number of pages included.
Sign and date the form where indicated. Each debtor must provide their signature and date to validate the declaration under penalty of perjury.

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How to modify a chapter 13 plan?

Modification after confirmation. If the court already confirmed your bankruptcy plan, you must make a motion (ask the court) to modify your plan payments to an amount you can afford.

What is the main problem in Chapter 13?

Downsides include a long repayment commitment, higher costs than a Chapter 7 bankruptcy, a negative mark on your credit for years, loss of most credit card access, and limits on filing another bankruptcy soon after. Youll still have to pay non-dischargeable debts like child support, alimony, and most student loans.

What determines the length of a Chapter 13 plan?

The length of a Chapter 13 bankruptcy depends on the filers monthly income and the time needed to pay the required Chapter 13 plan amount. For instance, many Chapter 13 filers who qualify for a three-year plan opt to reduce the monthly payment by paying into a five-year plan.

How to modify Chapter 13?

If the court already confirmed your bankruptcy plan, you must make a motion (ask the court) to modify your plan payments to an amount you can afford.

What happens at the end of a Chapter 13 plan?

After Plan Completion: After all payments have been completed, the Chapter 13 Trustee will file a Motion to Return any Excess Funds to Debtor and to Terminate any Payroll Deduction by Employer. If the Motion is granted, the Court will enter an order granting the motion and issue two notices.