In each chapter 13 case I will get a phone call that goes something like this: “Hello, Mr. Balena?” “This is Sample Client. You filed a chapter 13 for me.” “My pay check deduction is not enough for my plan payment.” Why would you as a client even suspect that? The pay order approved by…
A failure to follow a chapter 13 pay order is something I have witnessed twice within the past year. On one occasion it was on the debtor, and the other time it was on the employer. In each instance there was a confirmed plan and a pay order in effect. In one situation the employer…
Your chapter 13 case is filed. This means that your chapter 13 plan proposes you pay from your income on a monthly basis. This does not mean you just make one payment a month and all is well. The plain fact is that you are likely in this mess precisely because you did not make…