Debtors worked out a loan mod pre-confirmation. Plan was confirmed. 1 month later, husband rec’d a cancer diagnosis and went out on short-term union disability. Rather than paying the mortgage, they partially paid the T. They’re 3 months behind on the mortgage & he just returned to work and added a PT job. He said he’ll need 18-24 months to cure the post-petition arrears. The lender is Wells. Post petition arrearages can be added to the plan pursuant to 11 U.S.C. ยงยง 1322 (b)(3), (b)(5), 1329(a)(1), (a)(2);Mendoza v. Temple, 111 F.3d 1264 (5th Cir. 1997); and Hoggle v. Green Tree Acceptance Corporation, 12 F.3d 1008 (11th Cir. 1994).
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