What Is a Chapter 13 Plan Modification in MN and Do I Need One?

Posted by Amanda Scharber on June 15, 2021 at 2:23 PM
Amanda Scharber

Overhead view of a desk with a law book, gavel and block, scales of justice statue, notebook, and the hands of a lawyer and client discussing a Chapter 13 plan modification in Minnesota.During the three to five years of a chapter 13 bankruptcy your life will likely change. Whether it is because of finances, relationships, property, or your health. That is why chapter 13 bankruptcy plans can ebb and flow with you.

What Is a Chapter 13 Modification?

A chapter 13 plan modification is a modification of your current bankruptcy plan. You can have a pre-confirmation modification, which happens before your plan is confirmed. A post-confirmation modification, which is after confirmation of your bankruptcy plan.

A modification may come into play if you have received a large raise, a decrease in pay, are divorcing, getting married, adding family members, surrendering property, have increased expenses and so on.

Are Chapter 13 Plan Modifications Common in MN?

Modifications are very common and happen in just about every chapter 13 bankruptcy case. Because even though you may start off at point A when the bankruptcy case was originally filed, most clients do not stay at point A throughout the entire 3-5 years of a chapter 13 bankruptcy, they go through point B, C, D, and more.

How Do I Get a Chapter 13 Modification?

You may be wondering how a modification is done? A modification is really just amending your chapter 13 bankruptcy plan. You should schedule an appointment to speak with your attorney first to see if a modification is the right fit for you. If it is, your attorney will help you with the modification.

After the medication is filed there will be a confirmation hearing. Most confirmation hearings will go by default without appearances, if there are no objections. Therefore, usually, you will not attend the confirmation hearing.


Modifications are very common in chapter 13 bankruptcy. If you are wondering whether you qualify for a modification or need one, visit www.lifebacklaw.com formerly www.kainscott.com to speak with your attorney today. You will be glad you did!

Topics: Chapter 13 Bankruptcy

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