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 missed payments from statements and claims and build a plan you can actually pay. Call or request a free consultation. We cannot promise the servicer’s claim will match your 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 bankruptcy debtors keep their homes, but the outcome depends on mortgage status, equity, the exemption law that applies, and the bankruptcy chapter. A bankruptcy discharge of personal liability does not eliminate a valid 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 catch up missed payments over time while you keep making the regular payment. The budget still has to work. Court approval is not automatic.
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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.
