If you have not noticed a creditor, someone you owe money to, of your bankruptcy, then the debt you owe to them is not discharged pursuant to Bankruptcy Code section 523(a)(3). This is why it is SO IMPORTANT to make sure that you list everyone that you think you owe money to, so that you can get a true fresh start!
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If your Chapter 13 plan payment is based on your current income, then you need to speak to an experienced Miami bankruptcy lawyer about “modifying” your plan. The bankruptcy code allows you to modify your plan if you experience a material change in your income or expenses after the confirmation of your plan, but before you finish making all the payments.
Continue reading “Help! I cannot afford my Chapter 13 because I lost my job. What do I do?” →