Modifications

[cwife]

Hello-
I am 2.5 years into a 5 year plan. Can I go back and surrender my house or can you only do that in the beginning. Also once you are past the 3 year mark and your income goes down drastically instead of switching to a ch 7 would a trustee ever just say you have done 3years and call it good? Just curious. We are getting ready to move this summer...when we move my husband will have a job but I won't for a few months so our income will be well below the median.
Also some other information: I have two mortgages and pay both of them outside of the plan and my husband did not file with me.
Thanks ahead of time for your help!

[filingin08]

We're also 2.5 years into our 5 year plan. We got behind on mortgage and bank filed relief of stay. Atty said options were to 1) catch up outside of plan, 2) see if bank would work with us to put additional arrears inside plan, 3) surrender house - although changing the way a creditor was viewed after the fact was not typically allowed, she had success with making that change. Can't help on the income going down, curious about the answer though 'cause it looks like husband will soon be out of his job. Joy.