We will file a Motion for Authority to Modify Existing Mortgage for our debtors once we receive the agreement. We do not negotiate terms with the mortgage company, but we do need permission from the U.S. Bankruptcy Court. Typically, the mortgage company will have the Client begin trial payments and then send them an agreement. Once they have the agreement, they need to get it to Boleman Law Firm, P.C. so we can draft the Motion.

This objection is filed by either a secured creditor, Trustee, IRS, or VA Dept. of Taxation seeking the Court to deny confirmation of the proposed Chapter 13 plan. The entity that filed the objection is usually seeking a change in the Chapter 13 plan to their benefit. This does NOT dismiss the case automatically. Since the deadline to file Objections is one week prior to the Confirmation Hearing, we may only receive notice in a very short time frame and need to have immediate contact with you.

This Motion is filed by the Trustee, requesting the Court to dismiss the case due to missing payments. These motions can be resolved so that your case can continue. You need to contact us immediately.

This Motion is filed for several reasons. Either we have not provided the information or documents requested by the Trustee, or your Chapter 13 Plan needs to be changed. These issues are usually easily resolved so that your case can continue. You need to contact us immediately.

• I need to finance a car
• Sell my house
• Refinance my house
• Get a student loan or any debt for more than $5000

We need to file a Motion with the U.S. Bankruptcy Court for any of the things that Clients want/need to do during their Chapter 13 case that needs Court approval: Financing anything for more than $5,000 (Combined); Selling Property (real or personal); Refinancing (Mortgages only); Incurring Student Loan Debt (for more than $5000).

You can access your Chapter 13 bankruptcy information online by going to www.ndc.org. This website will give you the status of your case, the estimated balance, and the number of months left in your Chapter 13 payment plan. It will also tell you what creditors have filed a claim. (If we have petitioned the Court for supplemental fees and costs, it may not be listed in the balances shown.) It is a simple login process.

Tracking your case on a regular basis will help you complete your payment plan and obtain the discharge.

Your first Trustee payment is made at the Boleman Law Firm office. It must be a cashier’s check or money order made out to your Trustee, with your bankruptcy case number listed on the front. (Cash, personal check, credit, and debit cards are not accepted for the first payment.)

Subsequent Trustee payments are made directly to your Trustee with a cashier’s check, money order, or personal check. Some Trustees offer a bank draft, and others will require a mandatory payroll deduction. Be sure to reference your case number on your payment.

The 341 meeting is a meeting of creditors; however, usually the creditors don’t attend. It is required that you attend, or the Trustee can dismiss your case. Your Boleman Law Firm, P.C. attorney will be there with you to answer any questions. If you have a scheduling conflict, it is important that you contact our office immediately.