Hi, My husband and I have been in a chapter 13 since 2006 never missing a payment. The reason we had to file was we got behind on our mortgage. Now in Jan of 2009 my husband was laid off from his job and we have not been able to keep up with the bk payments. We have asked that our bk be dismissed in hopes that we can workout something with the mortgage company. I spoke to someone yesterday from the mortgage and they told me to send in a hardship letter and any income information. My question is i am not sure where to start with the hardship letter. Do I start with why we had to file for bk in the first place and now we cannot make those payments. There is nothing more important to us than to keep our home. My home will always be paid first if they give us a second change. Things are a bit better for us in that I am workig full time now but i cannot make the kind of money we need to stay in chapter 13. My husband has had a hard time finding new work and there would be no other job that paid him like the oilfield. His oilfield job is what kept us going. Any information will be greatly appreciated.