Define the question before choosing an answer
Use this guide to organize Mortgage Arrears, Plan Feasibility, Stay Issues and Lender Notices. Start with the controlling record and date, then connect the issue to the bankruptcy chapter, property, debts, and local procedure that may change the answer.
Evidence file for Chapter 13 To Stop Foreclosure
Mortgage Arrears
Property or lease records, arrears, notices, sale or hearing date, ongoing payment, value, liens, and occupancy.
Plan Feasibility
The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it.
Stay Issues
The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it.
Lender Notices
Court, case number, parties, service date, order, amount, next deadline, and current enforcement status.
Facts that shape the review
- Chapter 13 review should test regular income, plan feasibility, secured and priority debt, direct payments, claims, and what happens if circumstances change.
- The filing time, case number, identity of the collecting party, status of the property or payment, and any exception determine the immediate verification path.
Issue log
| Issue | Evidence to preserve | Open question |
|---|---|---|
| Mortgage Arrears | Property or lease records, arrears, notices, sale or hearing date, ongoing payment, value, liens, and occupancy. | |
| Plan Feasibility | The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it. | |
| Stay Issues | The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it. | |
| And Lender Notices | Court, case number, parties, service date, order, amount, next deadline, and current enforcement status. |
Questions that can change the next step
| Question | Your facts |
|---|---|
| What exact outcome is needed? | |
| What date changes the next step? | |
| Which fact remains unverified? |
Timing caution
If a sale, hearing, deduction, seizure, shutoff, or response deadline is near, use qualified local help rather than waiting for general online information.
Verify with current sources
U.S. Courts Bankruptcy Basics · Official Bankruptcy Forms · Current Means Testing Data · Official source directory