Q: We are in bankruptcy. My husband just lost his job what should we do

A: If you are in a Chapter 7 bankruptcy, there is nothing more you need to do, other than complete the second credit management course and file the Certificate of completion with the court.

If you are a Chapter 13 case, and you are required to make plan payments to the Chapter 13 trustee, inform your bankruptcy lawyer if you used a lawyer to file your case. You should owe him no additional fees to handle this problem. If you have no income going forward, and cannot make your plan payments, or modify the plan in an acceptable way, then your case will either be dismissed or converted to a Chapter 7 case.

Talk to your lawyer first!

A: Going to answer two ways, as you did not indicate if you are in a Chapter 7 or 13

Chapter 7, there is nothing to do, except the 2nd Credit Counseling Course, if not done, and await your discharge. Remember do not touch any exempted assets unless and until the Trustee reports No Distribution

If Chapter 13, talk with your counsel, as you may not be able to make your Trustee payments. You may need to file an amended Chapter 13 Plan, you may qualify to covert to a chapter 7.

Strongly urge you to speak with your counsel, and if you don't have one, find one in your jurisdiction

A: If you are in a Chapter 7, you don’t have to do anything. If you are in a chapter 13, contact your lawyer to resolve this issue.