Mortgage arrears
Current statements, notices of default, and any modification or foreclosure records help clarify what has to be cured.
Chapter 13 document guide
Chapter 13. What a workable plan needs.
Secured debt, arrears, insurance, taxes, monthly income that holds up over five years. The office shapes a plan from honest numbers — not from gaps the trustee will find anyway.
01
Primary Documents
The records that usually matter early in a Chapter 13 review.
- Last 6 months of pay stubs and proof of all regular household income.
- Most recent federal and state tax returns and any refund or tax debt information.
- Mortgage statements, payoff figures, arrearage notices, escrow information, or foreclosure papers when applicable.
- Vehicle loan statements, purchase paperwork when available, and current proof of insurance.
- Last 3 months of bank statements and investment statements.
- Domestic support orders, tax obligations, lease records, or any other recurring payment records that affect a monthly plan budget.
02
What Often Needs Extra Detail
Plan-related issues that usually require more precise documents.
Vehicle retention
Loan balance, insurance, purchase timing, and monthly payment records matter when the client needs to keep the vehicle.
Tax debt
Returns, notices, balances, and payment history can materially affect how the plan has to be structured.
Budget pressure
Proof of insurance, support obligations, rent or mortgage costs, and recurring household expenses help the office understand feasibility.
Need to start the Chapter 13 file now?
Use the secure portal to begin the submission, then keep building the same file as mortgage, vehicle, insurance, and tax records become available.