Not my forte, but I’d be willing to think out loud and maybe help you out by accident…lol. I’m hoping someone else might chime in with some feedback.
Chapter 13 is basically a 3-5 year reorganization plan administerd by a court-appointed trustee, right? I would think the trustee would have to bless off on anything. Are you in a Homestead state? If so, that might also muddy the waters… I’d sure like to hear more from you guys out there on this…