Our Detroit Chapter 13 bankruptcy attorneys filed for a client that resides in Hazel Park, MI. Client was delinquent on her mortgage payments. Client was denied a loan modification. Although client herself does not have the income to make the mortgage payments and cure the arrearage, she was able to file because her sister resides with her and contributes to the household income. The plan proposes to pay unsecured creditors zero. It is anticipated that if client can cure her mortgage earlier she will convert to Ch 7.