Question: If I can not make the full surplus income payments in my bankruptcy each month, what happens? Will my discharge be delayed? How long will I be given to catch up? Will a trustee garnish my wages for the missed payments?
Answer: Yes, if you are not able to pay the full amount of your surplus income payments each month, it is possible that your discharge will be delayed, and the trustee does have the power to garnishee your wages.
If you are behind in your payments, or believe you may fall behind, it is essential that you arrange a meeting with your trustee and discuss your situation. It is usually possible to work out a repayment plan. The trustee may be able to extend the bankruptcy to give you time to make the required payments, but the sooner you make those arrangements the sooner your bankruptcy will be able to be completed.