https://uww.wfgnationaltitle.com/index.php?action=history&feed=atom&title=Refinancing_or_Sale_while_in_Chapter_13Refinancing or Sale while in Chapter 13 - Revision history2026-04-30T16:52:40ZRevision history for this page on the wikiMediaWiki 1.31.0https://uww.wfgnationaltitle.com/index.php?title=Refinancing_or_Sale_while_in_Chapter_13&diff=5074&oldid=prevAlanfields at 16:41, 19 August 20192019-08-19T16:41:29Z<p></p>
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<td colspan="2" style="background-color: #fff; color: #222; text-align: center;">Revision as of 16:41, 19 August 2019</td>
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<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">If you want to take </del>on new debt <del class="diffchange diffchange-inline">while your case </del>is <del class="diffchange diffchange-inline">active, you need court permission</del>.</div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">Court permission is required before taking </ins>on new debt <ins class="diffchange diffchange-inline">in a chapter 13 bankruptcy. </ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">The restriction </ins>is <ins class="diffchange diffchange-inline">also often expressly set forth in the body of the plan or the order approving it</ins>.  </div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Some places relax the rules a bit. </del></div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">==Procedurally==</ins></div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins style="font-weight: bold; text-decoration: none;">Once filed, it will take about 3-4 weeks for the motion to be heard by the bankruptcy judge.</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins style="font-weight: bold; text-decoration: none;">Once the judge hears the motion, and assuming nobody opposes it, an order approving the refinance is usually issued within a week or so. </ins></div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">It takes </del>a <del class="diffchange diffchange-inline">few days </del>to <del class="diffchange diffchange-inline">put </del>the <del class="diffchange diffchange-inline">papers together</del>. <del class="diffchange diffchange-inline">Once filed</del>, <del class="diffchange diffchange-inline">it will take about 3-4 weeks </del>for the <del class="diffchange diffchange-inline">motion </del>to be <del class="diffchange diffchange-inline">heard </del>by the bankruptcy <del class="diffchange diffchange-inline">judge</del>.</div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">You are allowed to close on your refinance only after the judge has approved the motion.</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">[https://www.cacb.uscourts.gov/sites/cacb/files/documents/forms/F3015-1.15MOTIONREFIRP.pdf Form to Request Refi - Central District California]</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">[https://1.next.westlaw.com/Link/Document/FullText?findType=Y&serNum=0327467054&pubNum=0131999&originatingDoc=N36F8A490A06711D8A63DAA9EBCE8FE5A&refType=SA&originationContext=document&transitionType=DocumentItem&contextData=(sc.Search) West Legal Forms, Motion to Incur New Debt]</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">==Statutory Cites==</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">===Business Debt===</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">[https://www.law.cornell.edu/uscode/text/11/364 11 U.S.C.A. §364] requires leave of court for </ins>a <ins class="diffchange diffchange-inline">trustee </ins>to <ins class="diffchange diffchange-inline">incur any debt other than unsecured debt in </ins>the <ins class="diffchange diffchange-inline">ordinary course of business</ins>. <ins class="diffchange diffchange-inline">By virtue of section [https://www.law.cornell.edu/uscode/text/11/1304 1304]</ins>, <ins class="diffchange diffchange-inline">the provisions of section 364 apply also to a Chapter 13 debtor.</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">===Personal Debt===</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">The statutory prohibition of incurring business debt under section 364 doesn't apply to incurring personal debt. So you must first check </ins>for <ins class="diffchange diffchange-inline">a restriction on incurring new debt in </ins>the <ins class="diffchange diffchange-inline">chapter 13 proceedings. Even absent that, a Chapter 13 debtor's postconfirmation credit transactions are subject to scrutiny by trustee and bankruptcy court. Bankr.Code, [https://www.law.cornell.edu/uscode/text/11/1305 11 U.S.C.A. § 1305](c) and the court may block payment of those debts.  </ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">A necessary implication of the language of section [https://www.law.cornell.edu/uscode/text/11/1305 1305](c) seems </ins>to be <ins class="diffchange diffchange-inline">that a Chapter 13 debtor must obtain “prior approval </ins>by the <ins class="diffchange diffchange-inline">trustee” in order to incur a new debt “for property or services necessary for the debtor's performance under the plan.” (See paragraph 6 of the above form.) Section 1305 permits inclusion in Chapter 13 plan payments of postpetition obligations for (1) taxes and (2) consumer debts for necessary items, under the conditions described therein. See also 11 U.S.C.A. §§ 363, 364, 1303 and 1304.</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">===Cases===</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">*While a Chapter 13 debtor not in business has ability to incur postpetition debt without court authorization, approval by trustee is required if debtor intends to make payments to postpetition creditor under his plan. In re Loden, Bkrtcy.W.D.Ark.2017, 572 B.R. 211. Bankruptcy Key Number 2832.1; Bankruptcy Key Number 3703</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">*Even assuming that claim by Chapter 13 debtor's attorney for the filing fee that she paid postpetition on debtor's behalf was in nature of consumer debt “for property or services necessary for the debtor's performance under the plan,” attorney's failure to seek trustee's approval prior to advancing the filing fee to debtor prevented attorney from asserting claim for repayment of filing fee under bankruptcy statute governing the filing and allowance of postpetition claims; attorney either knew or should have known of need to seek trustee's approval. In re Frazier, Bkrtcy.S.D.Ga.2017, 569 B.R. 361. Bankruptcy Key Number 2832.1</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">*Claim asserted by Chapter 13 debtor's family friends, for reimbursement of sums which they had paid postpetition to repair debtor's home so that it could be sold for sum sufficient to satisfy creditors' claims, was allowable on priority basis as postpetition claim for extension of consumer credit, even though family friends did not seek trustee's or bankruptcy court's approval prior to extending this postpetition credit to debtor; while one of these friends was real estate agent, neither he nor other friend were experienced in bankruptcy matters and did not know that debtor was prohibited from incurring debt without such approval. In re Chaney, Bkrtcy.N.D.Ga.2004, 308 B.R. 588. Bankruptcy Key Number 3036</ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">*It was not practicable for Chapter 13 debtors to obtain prior approval of trustee before incurring postpetition debts, for purposes of Bankruptcy Code section governing filing and allowance of postpetition claims, where, although claimant-deferred presentment service providers should have known of pendency of debtors' </ins>bankruptcy <ins class="diffchange diffchange-inline">cases, debtor testified that she did not believe that transaction with claimant was loan and, thus, did not believe that approval of trustee was required, and claimants also took position that their services were not loans. In re Bagby, Bkrtcy.W.D.Tenn.1998, 218 B.R. 878. Bankruptcy Key Number 2832</ins>.<ins class="diffchange diffchange-inline">1</ins></div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Once the judge hears the motion</del>, <del class="diffchange diffchange-inline">and assuming nobody opposes it</del>, <del class="diffchange diffchange-inline">we should receive an Order allowing you to refinance within a week or so</del>. <del class="diffchange diffchange-inline">It could take longer depending on how busy the court is</del>.</div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">*Chapter 13 debtor's postconfirmation credit transactions are subject to scrutiny by trustee and bankruptcy court. In re Brown</ins>, <ins class="diffchange diffchange-inline">Bkrtcy.S.D.Ohio 1994</ins>, <ins class="diffchange diffchange-inline">170 B.R. 362</ins>. <ins class="diffchange diffchange-inline"> Bankruptcy Key Number 3035</ins>.<ins class="diffchange diffchange-inline">1; Bankruptcy Key Number 3703</ins></div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">You are allowed to close on your refinance only after the judge has approved the motion</del>.</div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">*Postpetition claim for property or services necessary for Chapter 13 debtor's performance under plan shall be disallowed if claimant should have known prior approval by trustee of debtor's incurring such obligation was practicable and was not obtained, even if debt could also be classified as administrative expense</ins>. <ins class="diffchange diffchange-inline"> In re Clayburn, Bkrtcy.N.D.Ala.1990, 112 B.R. 434. Bankruptcy Key Number 2832.1</ins></div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">[https://www</del>.<del class="diffchange diffchange-inline">cacb</del>.<del class="diffchange diffchange-inline">uscourts</del>.<del class="diffchange diffchange-inline">gov/sites/cacb/files/documents/forms/F3015-1</del>.<del class="diffchange diffchange-inline">15MOTIONREFIRP</del>.<del class="diffchange diffchange-inline">pdf Form to Request Refi - Central District California]</del></div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">*If bankruptcy claimant extends credit to debtor under this chapter without required approval of trustee, claim will be disallowed as postpetition claim. In re Thornton, Bkrtcy.W.D.Va</ins>.<ins class="diffchange diffchange-inline">1982, 21 B</ins>.<ins class="diffchange diffchange-inline">R</ins>. <ins class="diffchange diffchange-inline">462</ins>. <ins class="diffchange diffchange-inline"> Bankruptcy Key Number 2832</ins>.<ins class="diffchange diffchange-inline">1</ins></div></td></tr>
</table>Alanfieldshttps://uww.wfgnationaltitle.com/index.php?title=Refinancing_or_Sale_while_in_Chapter_13&diff=5073&oldid=prevAlanfields: Created page with "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. On..."2019-08-19T16:18:37Z<p>Created page with "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. On..."</p>
<p><b>New page</b></p><div>If you want to take on new debt while your case is active, you need court permission.<br />
<br />
Some places relax the rules a bit. <br />
<br />
<br />
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.<br />
<br />
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.<br />
<br />
You are allowed to close on your refinance only after the judge has approved the motion.<br />
<br />
[https://www.cacb.uscourts.gov/sites/cacb/files/documents/forms/F3015-1.15MOTIONREFIRP.pdf Form to Request Refi - Central District California]</div>Alanfields