Chapter 13 Plan Modification

IMPORTANT: THIS IS A PREPARATION GUIDE — NOT A FILING-READY DOCUMENT

Bankruptcy court filings must comply with the Federal Rules of Bankruptcy Procedure,
local court rules, and any judge-specific requirements. This template provides
substantive legal content to help you draft — but it must be reviewed by a qualified
bankruptcy attorney and adapted to your local court's requirements before filing.
Check your district's local rules at https://www.uscourts.gov/rules-policies.

MOTION TO MODIFY CONFIRMED CHAPTER 13 PLAN

Table of Contents

1. Caption and Introduction
2. Current Plan Summary
3. Reasons for Modification
4. Proposed Modifications
5. Modified Plan Terms
6. Compliance with Statutory Requirements
7. Signatures

UNITED STATES BANKRUPTCY COURT

_____________ DISTRICT OF _____________

PART 1: CAPTION AND INTRODUCTION

MOTION TO MODIFY CONFIRMED CHAPTER 13 PLAN PURSUANT TO 11 U.S.C. § 1329

The [☐ Debtor(s) ☐ Chapter 13 Trustee ☐ Holder of Allowed Unsecured Claim: ________________], by and through undersigned counsel (or pro se), respectfully move(s) this Court to modify the confirmed Chapter 13 plan, and in support thereof state(s) as follows:

1. The Debtor(s) filed a Chapter 13 petition on [__/__/____].

2. The Chapter 13 Plan was confirmed by order entered on [__/__/____].

3. This is the [☐ first ☐ second ☐ ____] modification requested.

4. Payments under the confirmed plan are [☐ current ☐ delinquent by $________________].

PART 2: CURRENT PLAN SUMMARY

Section A: Confirmed Plan Terms

Section B: Current Payment Status

PART 3: REASONS FOR MODIFICATION

Section A: Basis for Modification

☐ Change in income — Debtor's income has [☐ increased ☐ decreased] by $[________________] per month
Reason: [________________________________]

☐ Change in expenses — Debtor's expenses have [☐ increased ☐ decreased] by $[________________] per month
Reason: [________________________________]

☐ Change in employment — [________________________________]

☐ Medical circumstances — [________________________________]

☐ Additional secured debt — [________________________________]

☐ Claim resolution — Claims have been [☐ allowed ☐ disallowed ☐ modified] resulting in changes to plan distributions

☐ Mortgage modification — Debtor obtained or seeks to incorporate a loan modification

☐ Sale of property — [________________________________]

☐ Correction of error — [________________________________]

☐ Other: [________________________________]

Section B: Supporting Documentation

☐ Updated Schedule I (Current Income) attached
☐ Updated Schedule J (Current Expenditures) attached
☐ Pay stubs for most recent 60-day period attached
☐ Tax returns for most recent year attached
☐ Medical documentation attached
☐ Employer correspondence attached
☐ Other: [________________________________]

PART 4: PROPOSED MODIFICATIONS

Section A: Specific Changes

Section B: Detailed Description of Changes

Change 1: [________________________________]

Change 2: [________________________________]

Change 3: [________________________________]

Section C: Treatment of Specific Claims Under Modified Plan

PART 5: MODIFIED PLAN TERMS

Section A: Payment Schedule

Modified monthly payment: $[________________], beginning [__/__/____]

☐ Step-up payments:
Months [____] through [____]: $[________________]/month
Months [____] through [____]: $[________________]/month

Section B: Treatment of Secured Claims

Section C: Treatment of Priority Claims

Section D: Treatment of Unsecured Claims

Estimated total unsecured claims: $[________________]
Projected distribution under modified plan: $[________________]
Projected percentage to unsecured creditors: [____]%

Section E: Mortgage Arrears (if applicable)

PART 6: COMPLIANCE WITH STATUTORY REQUIREMENTS

Section A: Section 1325(a) Requirements

The modified plan complies with 11 U.S.C. § 1325(a):

☐ (a)(1) — Complies with Chapter 13 and other applicable Code provisions
☐ (a)(2) — Filing fees and trustee fees will be paid
☐ (a)(3) — Plan has been proposed in good faith
☐ (a)(4) — Unsecured creditors receive at least as much as they would in Chapter 7 (best interests test)
☐ (a)(5) — Secured creditors retain liens and receive present value of allowed secured claims
☐ (a)(6) — Debtor will be able to make all payments and comply with the plan (feasibility)

Section B: Disposable Income / Good Faith (§ 1325(b))

☐ All projected disposable income over the applicable commitment period is being applied to plan payments
☐ Current monthly income: $[________________]
☐ Allowable expenses: $[________________]
☐ Disposable income: $[________________]

Section C: Plan Duration Limit

The modified plan does not exceed the maximum duration permitted:

☐ Plan as modified will be completed within 60 months from the date of the first payment (11 U.S.C. § 1329(c))

PART 7: SIGNATURES

Proponent Certification

The undersigned certifies that:

☐ The information in this motion is true and correct
☐ The modified plan meets all statutory requirements
☐ All affected creditors will receive notice as required by FRBP 3015(h)

Debtor 1:

Signature: _________________________________ Date: [__/__/____]

Printed Name: _________________________________

Debtor 2 (if joint case):

Signature: _________________________________ Date: [__/__/____]

Printed Name: _________________________________

Attorney (if represented):

Signature: _________________________________ Date: [__/__/____]

Name: _________________________________
Bar Number: _________________________________
Firm: _________________________________
Address: _________________________________
Phone: _________________________________
Email: _________________________________

NOTICE TO CREDITORS

Pursuant to FRBP 3015(h), creditors and other parties in interest have [____] days from service of this motion to file objections. If no timely objection is filed, the Court may approve the modification without a hearing.

Objections, if any, must be filed with the Clerk of the Bankruptcy Court and served on the proponent and the Chapter 13 Trustee on or before [__/__/____].

PROPOSED ORDER

ORDER APPROVING MODIFICATION OF CONFIRMED CHAPTER 13 PLAN

This matter came before the Court on the Motion to Modify the Confirmed Chapter 13 Plan. [☐ No objections having been filed ☐ After hearing on objections], the Court finds that the modified plan complies with 11 U.S.C. §§ 1322, 1325(a), and 1329.

IT IS ORDERED that the Motion is GRANTED and the confirmed Chapter 13 Plan is modified as set forth in the Motion.

ORDERED this _____ day of _____________, 20_____.

_________________________________
United States Bankruptcy Judge

This template provides general guidance for Chapter 13 plan modifications under 11 U.S.C. § 1329. Many courts require use of local model plan forms. Always check local rules and procedures.