What if the debtor incurs new debts or needs credit during a chapter 13 case?
There are three situations in which a chapter 13 debtor will incur post-petition debt. These are: (1) debts for taxes that become payable while the case is pending, (2) utilities that become payable while the case is pending, and (3) consumer debts approved by the Bankruptcy Court which debts are necessary for the debtor’s performance under the plan (i.e. a car loan). Other than the above debts, a chapter 13 debtor should not be incurring any debt during the life of the chapter 13 plan.