What are my responsibilities while my Chapter 13 case is open?

You must continue to pay all of your regular bills as they come due, including your monthly mortgage payment or rent.

You must make monthly payments to the Chapter 13 Trustee according to your Chapter 13 Plan.

If you intend to sell any assets (including your home or car) while your Chapter 13 case is open, you must get court approval to do so by filing a motion with the court. Click here for our local rules regarding motions  D.N.J. LBR 9013-1 through 9013-4.

If you plan to use a real estate broker, you must get court approval first. Click here for an Application For Retention of Professional. See also Local Rules 2014-1 through 2014-3.

If you intend to refinance existing debt (including your mortgage) or incur new debt, you must obtain court approval to do so by filing a motion.