{"id":2265,"date":"2015-06-15T18:46:32","date_gmt":"2015-06-15T18:46:32","guid":{"rendered":"http:\/\/www.bankruptcylawyer-nj.com\/?p=2265"},"modified":"2021-12-03T00:10:42","modified_gmt":"2021-12-03T00:10:42","slug":"changes-new-jersey-bankruptcy-after-filing","status":"publish","type":"post","link":"https:\/\/www.bankruptcylawyer-nj.com\/2015\/06\/15\/changes-new-jersey-bankruptcy-after-filing\/","title":{"rendered":"Can I Make Changes To A New Jersey Bankruptcy After The Filing?"},"content":{"rendered":"<h2>New Jersey Lawyer Explains Bankruptcy Modifications After Filing<\/h2>\n<p>The <a href=\"https:\/\/www.bankruptcylawyer-nj.com\/2014\/03\/24\/bankruptcy-help-second-mortgage\/\">chapter 7 process<\/a> in New Jersey lasts about 4 months. After approximately 4 months, the debtor is completely out of the bankruptcy case with an order eliminating certain debt. No payments are required like a chapter 13 case. Typically, there is no need to make any changes in a chapter 7, other than correcting information or the bankruptcy schedules.<br \/>\nA chapter 13 is very flexible and may be modified for numerous reasons. A chapter 13 requires monthly payments to the trustee for 36 to 60 months. The number of months of the plan depends on numerous factors. The amount of the monthly payment depends on: the type of debt; the plan\u2019s goal; the debtor\u2019s disposable income; and the debtor\u2019s assets. A plan may be modified by filing a modified plan with the court. The debtor is required to pay no less than the debtor\u2019s disposable income. In limited circumstances, the monthly payment may be modified, if the debtor\u2019s household income is reduced. At the filing of a modified plan, the trustee requires updated proof of income.<br \/>\nA list of possible <a href=\"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/08\/can-happen-house-chapter-13\/\">chapter 13 plan<\/a> modifications are listed below. A debtor may wish to modify their plan to surrender a house, or auto, and eliminate the mortgage or auto finance debt. A debtor may wish to purchase a car or house, during the plan. Someone could modify their plan to remove the mortgage payments arrears, after a loan modification is consummated. The plan could be modified to reject any type of lease, including a rental or auto lease. There are numerous reasons for modifying a bankruptcy plan in New Jersey.<br \/>\nRobert Manchel, may be contacted at (866) 503-5655, to discuss your New Jersey bankruptcy options.<\/p>","protected":false},"excerpt":{"rendered":"<p>New Jersey Lawyer Explains Bankruptcy Modifications After Filing The chapter 7 process in New Jersey lasts about 4 months. After approximately 4 months, the debtor is completely out of the bankruptcy case with an order eliminating certain debt. No payments are required like a chapter 13 case. Typically, there is no need to make any [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[4],"tags":[],"class_list":{"0":"post-2265","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-chapter-13","7":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Making Changes To Bankruptcy File \u2013 Manchel New Jersey Bankruptcy Law<\/title>\n<meta name=\"description\" content=\"New Jersey Lawyer Explains Bankruptcy Modifications After Filing The chapter 7 process in New Jersey lasts about 4 months. After approximately 4 months,\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bankruptcylawyer-nj.com\/2015\/06\/15\/changes-new-jersey-bankruptcy-after-filing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Making Changes To Bankruptcy File \u2013 Manchel New Jersey Bankruptcy Law\" \/>\n<meta property=\"og:description\" content=\"New Jersey Lawyer Explains Bankruptcy Modifications After Filing The chapter 7 process in New Jersey lasts about 4 months. 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