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Bridging the Gap: In re Murphy, 493 B.R. 576 (Bankr. D. Co. 2013)

The court may dismiss a Chapter 13 bankruptcy case if the debtor fails to make her required payments. The debtor then loses the protection of the automatic stay and must go through the time and expense of re-filing and starting a new five-year repayment plan. To mitigate this harsh consequence, courts...