PERMISSION FOR CREDIT

The use of credit while under Chapter 13 is prohibited without the permission of the Trustee. If you find you must replace a necessary item, you should contact your lawyer for assistance. Your lawyer must submit a letter to the Trustee explaining the necessity and must provide an amended budget and copies of your two most recent pay stubs. Permission will be granted for necessary items only. The amount of credit sought must be reasonable and within your ability to repay without jeopardizing your household budget or payments to the plan.