Last updated September 18, 2026
Short answer
Arrears are more than missed principal and interest. Servicers add fees, inspection costs, and escrow shortages. A Chapter 13 plan has to account for the real number, which often appears on a proof of claim after filing.
Use a recent mortgage statement and, after filing, the servicer’s proof of claim. Disputes go through claim objection, not wishful scheduling. § 1322(b)(5) is the cure-and-maintain provision.
How Brock & Stout can help
We reconstruct arrears from statements and claims, build a feasible plan, and object to inflated fees when warranted. We cannot promise the servicer’s claim amount will match the borrower’s estimate.
Frequently asked questions
No. Cure-and-maintain generally means you stay current on payments that come due after filing as well as catching up the old default.
Related resources
- Can I Keep My House If I File Bankruptcy? — Can I Keep My House If I File Bankruptcy?
Many people keep their home. That depends on mortgage payments, equity versus the homestead exemption, and whether Chapter 13 is needed to catch up arrears. A discharge of credit-card debt does not erase the mortgage lien.
- Chapter 13 Bankruptcy and Foreclosure — Chapter 13 Bankruptcy and Foreclosure
Chapter 13 is the chapter designed to save a home when you are behind. The plan can cure the default over a reasonable time and require ongoing regular payments. Feasibility (income vs. expenses) still has to work. Confirmation is not automatic.
Facing an urgent debt problem?
Talk with a bankruptcy attorney about garnishment, foreclosure, repossession, or a lawsuit. A consultation can explain options. It does not guarantee a particular result.
This page is general educational information about bankruptcy as of the date shown. It is not legal advice, does not create an attorney-client relationship, and does not guarantee results. Outcomes depend on individual facts and current federal and state law. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
