My friend Peter Orville writes about the procedure for selling a home in a pending Chapter 13.  Peter practices in upstate New York.  He details what you have to do, if you live in upstate New York, to sell your home during Chapter 13.

The most frustrating part of writing about bankruptcy for a national audience is the degree to which Chapter 13 practice differs across the nation. H***, it varies across the San Francisco Bay, where I practice.  I have Chapter 13 cases before three different trustees in three different divisions within the same district, and each has different procedures.

I interact with lots of clients who have found me on the internet doing “research” about bankruptcy.  It’s all too easy to assume that the procedures in upstate New York describe how your case is handled whereever you live.  It isn’t (necessarily) so.

Which is why I uniformly recommend that individuals engage an experienced bankruptcy lawyer to do a Chapter 13 case.  There are simply too many variations, unwritten rules, and local assumptions to master to make representing yourself a feasible alternative.