My question involves bankruptcy in the state of: Texas. Several months we filed chapter 13. Our mortgage and car payment were listed as "secured" in our plan and are paid outside the plan. The car is financed through a federal credit union. About three weeks after our 341 meeting and a month before our plan was confirmed we noticed the credit union had added $360.00 in fees to our loan balance without notifying us. I contacted the credit union about the fees and they stated the fees were for costs they incurred in association with us filing bankruptcy. Now, this week I noticed they added another $290.00 in fees. The credit union had added around $800.00 (for legal fees) to the car loan balance when they filed their claim. My question is: was the credit union within their rights to add the $650.00 charges to the loan balance without notifying us and before the trustee sent out the Trustee Recommendation Concerning Claims (TRCC)? The credit union is the only creditor that added any additional fees to their claim. Because the fees were added early in the loan we will be paying interest on the fees throughout the life of the loan.

