How Travel Affects Your Chapter 13 Bankruptcy
If you’re going through a Chapter 13 bankruptcy, you might be wondering, “Can I travel during my Chapter 13, or do I have to stay put for the whole repayment schedule?”
After all, life doesn’t stop just because you’re in the middle of a financial reorganization. But certain limitations might apply, depending on your situation.
So whether it’s for work, a family vacation, or an emergency, you need to know what’s allowed and what steps you should take.
Understanding Your Chapter 13 Bankruptcy Plan
First, it’s important to remember that Chapter 13 bankruptcy is a type of financial reorganization. You and your creditors have agreed on a repayment plan that typically lasts three to five years.
During this time, you’ll make regular payments to a trustee, who then pays your creditors.
Generally, you can still live a very free life while in a Chapter 13. But because your financial situation is closely monitored, there are certain rules you have to follow – mainly so you never catch your attorney or trustee off guard. Some of those rules involve travel.
Can I Travel During My Chapter 13 Bankruptcy?
The short answer is yes, you can travel while in a Chapter 13 bankruptcy. However, there are some important things to keep in mind.
1. Local Travel
If you’re planning to travel locally, within your state, you generally don’t need to worry. You can go about your daily life, including any short trips, without having to inform the bankruptcy court or trustee.
Remember, your trustee doesn’t want to keep close tabs on you or limit your daily life. They only want to make sure you stay true to your obligations.
2. Out-of-State Travel
For out-of-state travel, it’s a bit different. It’s a good idea to inform your bankruptcy attorney, who can guide you on whether you need to get permission from the trustee or the court.
In most cases, as long as your travel plans don’t interfere with your repayment plan, there shouldn’t be a problem.
3. International Travel
If you need to travel outside the country, things get a little more complicated. You’ll likely need to request permission from the court. This is because the court needs to ensure that your travel won’t disrupt your ability to make payments or fulfill your bankruptcy obligations.
To get permission, your attorney will likely file a motion with the court explaining your reasons for travel, how long you plan to be gone, and how you’ll continue to make payments during your trip. The court will then decide whether to approve your request.
What Happens If You Travel Without Permission?
Traveling without the necessary permissions can have serious consequences. The court might view it as a violation of your bankruptcy plan, which could lead to your case being dismissed. This means you’d lose the protections that come with Chapter 13 and could be at risk of losing your assets.
It’s always better to be safe than sorry. If you’re unsure about your travel plans, talk with your bankruptcy attorney to make sure you’re following the rules.
Legal Help If You Need to Travel During Your Chapter 13
Traveling during a Chapter 13 bankruptcy is possible, but it may require some planning and communication with your attorney.
Whether you’re traveling within your state, across state lines, or internationally, the key is to make sure your travel doesn’t interfere with your repayment plan. By taking the right steps, you can continue with your bankruptcy process while still managing your personal and professional life.
If you have any questions about traveling during your Chapter 13 bankruptcy, or if you need help with any other bankruptcy-related matters, don’t hesitate to reach out. We’re here to help you navigate this process and get you back on track to financial stability.
Remember, many bankruptcy attorneys charge extra for these kinds of conversations, because they see it as extra work. We don’t ever charge more for basic questions like this. We never have hidden fees – we see you through the life of your Chapter 13, no strings attached.
If you’re looking for a bankruptcy lawyer who’ll stay by your side every step of the way, look no further. Contact us today for a free consultation or just call 901-327-2100.