We have been in Ch 13 for 3 years now. We gave our truck back to GM after they borrowed Tax money and then filed for bankruptcy-The nerve of them! ( you would think they would be more understanding of our situation) Our truck was the only thing being paid through the trustee, all the CC debts were discharged.
At this point, there are no creditors left in our CH13 being paid, so my 311.00/month payment goes to the Trustee and the lawyer (who bumped his additional 1000.00 fee in for surrendering our truck)
We want to pay off the 2 remaining years in one lump sum and get our life back.
Wells Fargo has our mortgage and the variable rate is currently 3.5%. If we come out of Ch13, can they raise our rates due to poor credit? I can't get a straight answer from anyone at WF.