July 2011: Filed ch13 to save home from foreclosure
Unsecured debts included 2 credit cards for a total of $9500
Dec 2011: Granted modification from mortgage
January 2012: Original plan confirmed by court.
Jan 2012: Modified plan submitted with new mortgage obligations, and adjusted monthly obligations (my old plan didn't consider car repair or savings for health & emergencies).
Jan 2012: Began paying trial mortgage payments DIRECTLY to mortgage company per CH13 rules.
Jan 2012: Began paying remainder new modified plan amount to Trustee.
Mar 2012: Permanent modification signed.
Mar, May & Aug 2012: Trustee claimed no explanation submitted for mod plan.
Dec 2012: Court dismissed case due to "payment default."
The Trustee claimed I was at default as they never confirmed the modified plan.