Can I Incur New Debt During a Chapter 13?

Generally you are not allowed to use any credit cards that you had when you filed for Chapter 13 Banktupcy. However, there are some instances when you can obtain credit for some specific need of yours. However, you will be required to contact your Chapter 13 Trustee regarding this as well as get permission from the court first.

You will need to file a motion with the court requesting permission that the court allow you to obtain a loan. If the new debt is found to be reasonable, then the bankruptcy court will allow for you to obtain this new debt. But only after a hearing and upon approval from the judge will you be allowed to incur additional debt in a Chapter 13 Bankruptcy.