My husband and I are filing chapter 13 because we make too much money to file 7. (If I made too much money I wouldn't need to file but that is a different issue). Here is my delemma. I am 4 months pregnant with our first child. when the baby is born I will be off work without pay for at least 3 months and then I will have the added expense of a dependant. Also when I do go back to work there will be day care expences. How does this work in a chapter 13? Will by payments to the trustee get ammended. I do have this information written in the paperwork. Or do I need to make an appointment with him after the baby is born to modify my payments. We are to pay around 1266/month and my attorney said he can reduce it while I am not at work by 140/month which makes absolutly no sense to me because I make the most money between my husband and myself. What if I decide not to return to work to be a stay at home mom? Can it be ammended that way as well? I have asked my attorney these questions but have not gotten a straight answer. I am concerned that I will not be able to make the payments and my case will be dismissed.
Any advice?