A West Virginia Chapter 13 Motion to Incur Debt is a legal request to a bankruptcy court to allow a debtor to take on additional debt while in the midst of a Chapter 13 bankruptcy filing. The purpose of the Motion is to allow the debtor to purchase goods or services that are necessary for day-to-day living, or to pay off existing debts. The Motion must be approved by the court in order for the debtor to incur additional debt while the bankruptcy process is underway. There are two types of West Virginia Chapter 13 Motion to Incur Debt: a “Motion to Incur Debt Prior to Confirmation” and a “Motion to Incur Debt After Confirmation.” A “Motion to Incur Debt Prior to Confirmation” is a request to the court to allow the debtor to incur debt before the court has finalized the Chapter 13 repayment plan. A “Motion to Incur Debt After Confirmation” is a request to the court to allow the debtor to incur debt after the court has finalized the Chapter 13 repayment plan. In both cases, the debtor must provide detailed information about the proposed debt and the circumstances that have caused the need for additional debt.