Chapter 13 can transform an upside down budget into one where your income equals your outflow, and it can reduce your total debt, sometimes by thousands of dollars.
Chapter 13 only works, however, if you pay what you are required to pay by your Chapter 13 plan. Specifically, for cases filed in the Northern District of Georgia, you will have to pay your mortgage(s) directly and you will need to pay your Chapter 13 trustee your plan payment until the payroll deduction kicks in.
You cannot and must not be passive about your payment obligations – if you are not current with your post-filing mortgage payments and your initial trustee payments, your case may be dismissed. In this brief audio podcast, I discuss what you need to keep in mind about your direct payment obligations in your Chapter 13 case.