A person cannot file under chapter 13 or another chapter if, in the preceding 180 days, a prior bankruptcy petition was dismissed because of the debtor’s willful failure to look prior to the court or conform to orders in the court or was voluntarily dismissed after creditors sought respite from the bankruptcy court to recuperate property upon which they hold liens. In addition, no individual might be a debtor under chapter 13 or any chapter with the Bankruptcy Code unless that person, within 180
If the debtor’s current monthly income is below the applicable state median, the plan will be for 3 years unless the court approves a longer period “for cause.”1 When the debtor’s current monthly income is greater than the applicable state median, the plan generally has to be for five years. In no case may an idea give payments over a period longer than 5 years.<br /><br />During this period the law forbids creditors from starting or continuing collection efforts. This chapter