Make your mortgage payment in Chapter 13

It’s easy to lose track of your mortgage payments in Chapter 13.  They don’t call you if you miss a payment.  It seems like nothing happens.

But if you slip back to three or four payments behind, they go to the judge and ask permission to foreclose you.  Even if you scramble to catch up, they tack on legal fees that you have to pay.

And if the the mortgage company will let you stay two or three payments behind, the bankrutpcy court won’t.  You’ll get to the end of your Chapter 13 plan, and the judge then throws out your case.