View source for Refinancing or Sale while in Chapter 13

If you want to take on new debt while your case is active, you need court permission.

Some places relax the rules a bit. 


It takes a few days to put the papers together. Once filed, it will take about 3-4 weeks for the motion to be heard by the bankruptcy judge.

Once the judge hears the motion, and assuming nobody opposes it, we should receive an Order allowing you to refinance within a week or so. It could take longer depending on how busy the court is.

You are allowed to close on your refinance only after the judge has approved the motion.

[https://www.cacb.uscourts.gov/sites/cacb/files/documents/forms/F3015-1.15MOTIONREFIRP.pdf Form to Request Refi - Central District California]