So, I’m in Chapter 13, but I’ve got a bunch
of other payments that have come up, and I’m not on a wage garnishment. I’ve been making
payments electronically every month to the Chapter 13 Trustee, and right now, money
is super tight. Can I just skip a payment to the Chapter 13 Trustee and make it up
later? My name is Ron Drescher. I’m an attorney practicing bankruptcy and creditor’s rights
in Maryland, Delaware , Pennsylvania and Virginia, and I say do this at your own risk. This is
generally speaking not a good idea because once you fall behind with the Chapter 13
Trustee, it’s very hard to make it up. They’re paying attention to this. They’re keeping
journals and records, and if you fall enough behind, and it’s not very far, maybe a couple
of months, they’ll file a motion to dismiss your Chapter 13 case, and really, if that
happens, all of the payments you’ve made before are pretty much going to have gone for naught.
That’s one of the reasons why we really favor wage garnishments in Chapter 13 for our clients,
because it makes it much, much more likely that you’re going to have a successful Chapter 13
case, so my strong advice to you, is don’t fall behind with your payments to the Chapter 13
Trustee. My name is Ron Drescher. I’m an attorney practicing bankruptcy and creditor’s rights,
and if you have a question about what your Chapter 13 case is going to look like, please
pick up the phone and call me. I would love to hear from you.