Q: Is it possible to pre-pay my Ch. 13 after having made payments for 3 years? I am now 100% disabled through the V.A.
A: The general answer is "no," but there are exceptions. If you were not required to file a 5 year plan, you may be allowed to pay off the plan early depending on the source of the funds and the amount of unsecured claims. Also, if your disability was incurred after you filed your case, you may be entitled to a hardship discharge without paying off your plan at all. There are many factors involved with each of these options and you should consult with a competent bankruptcy attorney.
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