What if I can't make the payments on my Chapter 13 plan?
Chapter 13 plans are voluntary and you can dismiss them freely.
If you have a temporary interruption in income or an unexpected increase in your expenses, you can ask the court to modify your plan to reduce the payments, or to obtain a suspension of the payments for a couple of months. See how Chapter 13 works.
If you miss the payments and don't take action to modify or get a suspension, the court will dismiss your case.
If your case is dismissed short of discharge, the fact that you filed does not bar you from eligibility to file bankruptcy again.
You also have the right to convert your Chapter 13 case to Chapter 7.
More on the power of Chapter 13
