PRE-DISCHARGE CAR LOAN

RESIDE IN MARYLAND.

MY WIFE AND I FILED A CHAPTER 13 IN MAY 99, CONFIRMED IN OCTOBER 99. TRUSTEE PAYMENTS ARE BEING DEDUCTED FROM MY PAYCHECK, $500/MO.

I AM IN NEED OF A NEW VEHICLE. I HAVE CONTACTED SEVERAL AUTO DEALERS AND THEY HAVE SUGGESTED THAT I CONTACT THE TRUSTEE TO OBTAIN A RIGHT TO ESTABLISH NEW CREDIT.

I HAVE THE FORM, BUT I ALSO HAVE A QUESTION.

MY INCOME HAS INCREASED 10K FROM THE TIME WE FILED THE CHAPTER 13. (INCREASED 1-1-2000, PROMOTION). IF I DISCLOSE THIS INCREASE IN SALARY, TO SHOW PROOF OF BETTER FINANCIAL POSITION, CAN/WILL THE CASE BE REOPENED TO FORCE ADDITIONAL PAYMENTS TO THE CREDITORS. WE HAVE PAID ADDITIONAL AMOUNTS TO THE TRUSTEE IN AN ATTEMPT TO BE DISCHARGED SOONER THAN THE 36 MONTH REPAYMENT PLAN.

NEW CAR LOAN WILL BE APPROXIMATELY 20K. TRADE IN IS PAID IN FULL. WE ARE MAINTAINING A CAR PAYMENT OUTSIDE OF THE CHAPTER 13.

THANK YOU FOR YOUR ASSISTANCE.