What happens if I fall behind on my mortgage while in Chapter 13?
Sebastian Wright 
If you are behind on your mortgage before filing your Chapter 13, you can pay off the arrears through your repayment plan. If at any time during your Chapter 13 case, you fail to pay your monthly mortgage obligation (either inside or outside the plan), your lender can seek court permission to foreclose on your house.
Can you skip a Chapter 13 payment?
If you miss payments, a Chapter 13 trustee can file a “Motion to Dismiss for Material Default.” If this motion is granted, your case would be dismissed. If your case is dismissed, you will not get a discharge. So if you can catch up on that missed payment before your next payment is due, you should ordinarily be ok.
Can you get a car loan during Chapter 13 bankruptcy?
The simple answer is yes, you can still get a car loan while you’re in a Chapter 13 bankruptcy. Because a Chapter 13 repayment plan lasts either three or five years, there’s a process in place for people to buy a car while the bankruptcy is still open.
How does Chapter 13 bankruptcy affect your mortgage?
If you don’t stay current on your payments, your mortgage lender can foreclose, and the car can be repossessed. Chapter 13 bankruptcies are about reorganization, so you can use this type of bankruptcy to pay back debts according to the timeline in your plan while staying current on any mortgage payments after the bankruptcy is filed.
What makes you eligible for Chapter 13 bankruptcy?
To be eligible to file for Chapter 13 bankruptcy, an individual must have no more than $394,725 in unsecured debt, such as credit card bills or personal loans. They also can have no more than $1,184,200 in secured debts, which includes mortgages and car loans.
Can a chapter 13 bankruptcy be filed after a Chapter 7 discharge?
It is possible to file a Chapter 13 bankruptcy after a Chapter 7 is completed, allowing you to seek a reduction in whatever debts remain from a Chapter 7 discharge. Chapter 13 also protects your loan cosigners against collection efforts if the bankruptcy settlement obligates you to repay the debt yourself.
