Chapter 13 Plan Modification: Timing You can modify your plan both before and after confirmation. Modification before confirmation. Depending on the case or the court, it can take anywhere from two months to over a year before the court confirms your case.

What is modification in a Chapter 13 case?

Modification is a process that must be approved by the Court. When your Chapter 13 case begins, it must be approved by the Court through something called a Confirmation Order. The Confirmation Order essentially locks your case into place and sets out the terms of your Chapter 13 plan.

When to file an amended Chapter 13 plan?

Modification before confirmation. Depending on the case or the court, it can take anywhere from two months to over a year before the court confirms your case. If your circumstances change during this time, you can explain your situation and file an amended plan for the trustee and your creditors to consider.

Can a bankruptcy court modify your chapter 13 payment?

Events such as job loss, illness, or an emergency can affect your ability to afford your bankruptcy plan payments. If this happens to you, then you might be able to ask the court to modify your Chapter 13 plan payments to an amount you can afford.

When do you have to make Chapter 13 payments?

After you file your Chapter 13 case, you must begin making monthly plan payments to your bankruptcy trustee—even before confirmation (approval) of the plan. If you fail to make timely plan payments at any point, then your matter will likely get dismissed by the court.

What to do before filing Chapter 13 bankruptcy?

Step 5: Take the first credit counseling course. Before filing your Chapter 13 bankruptcy forms, you’ll need to complete a credit counseling course approved by the Department of Justice. The course takes approximately one hour and can be completed online or by telephone. The fee ranges from $10 to $50, depending on the provider.