I live in NYS and I filed chapter 13 bankruptcy in 2005. My mortagage, car were included in the chapter 13 bankruptcy. Now, my husband (who was gainful employed during the original filing) has moved out, is currently incarcerated and my family income has decreased. The chapter 13 was to be over 10/2008; but now I am behind in my current mortgage payments (3 months). Is there any chance of me not losing my home? Are there any laws to protect me?

