Stabilize the facts before changing anything
This situation connects Arrears, Ongoing Mortgage Payments, Foreclosure Timing and Feasibility. Preserve the original records, identify the next dated event, and obtain issue-specific review before moving money, property, payments, or legal positions.
Evidence file for Chapter 13 To Save A House
Arrears
The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it.
Ongoing Mortgage Payments
Property or lease records, arrears, notices, sale or hearing date, ongoing payment, value, liens, and occupancy.
Foreclosure Timing
Property or lease records, arrears, notices, sale or hearing date, ongoing payment, value, liens, and occupancy.
Feasibility
The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it.
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.
Issue log
| Issue | Evidence to preserve | Open question |
|---|---|---|
| Arrears | The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it. | |
| Ongoing Mortgage Payments | Property or lease records, arrears, notices, sale or hearing date, ongoing payment, value, liens, and occupancy. | |
| Foreclosure Timing | Property or lease records, arrears, notices, sale or hearing date, ongoing payment, value, liens, and occupancy. | |
| And Feasibility | The controlling document, exact date, amount or value, people involved, current status, and the source that can verify it. |
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