If you have a legal defense, you should cite it. But the fact that you have been out sick isn't a legal defense to not paying your ongoing mortgage debt in your Chapter 13. Your best chance to resolve this will be to reach an agreement with your lender, either with a loan modification or what is called an APO, adequate protection order, in which you arrange to catch up the debt promptly. Hope this perspective helps!
Probably not. Just have your BK attorney file a new Plan that takes care of the arrears.
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