Bankruptcy and new debt

I think you should talk to the bankruptcy trustee who has set your mother's plan. Basically, the plan can be modified only if there is interruption of income due to job loss or ill health. I am not sure if new debt can be included in the existing plan.

Besides, the chapter 13 plan varies from district to district. It will be better to contact an experienced bankruptcy lawyer who is much familiar with the prevailing judicial laws.

Concerned 1,

I'm afraid; it would be difficult to include the debts incurred after bankruptcy filing. Moreover it is always advisable to maintain the payment plan suggested by bankruptcy court. However, life has its ups and downs and can take you in new debts after bankruptcy. So it is advisable to get the new accounts approved by the board of trustees before incurring it. If you had done it already, then you can get your new debts included in the payment plan.

Consulting a lawyer would be the best move on your part as referred by John. Do keep us updated if you have any new info.

The trustee is supposed to approve any new debt that the consumer takes on. I would recommend that your mom sit down with her lawyer and talk through what the new debt is. How long has she been paying on the plan and how much longer does she have to go?