lowering my payments

There's nowhere near enough information to answer your question.  Since you reference bankruptcy payments, I assume (although you fail to state) that you are in a Chapter 13 case.  Chapter 13 plans can be modified to suspend, reduce or increase payments as the need arises, upon a duly noticed motion and approval by the court. Whether you can lower payments in your case depends on how you have structured your plan and whether you have any priority claims or arrearages that need to be repaid 100% and whether your liquidation analysis showed the need to pay a certain amount. If you don't have a bankruptcy attorney, you need to get one immediately to advise you on your options.  If you do have a bankruptcy attorney and they are unable to answer this question, you need to get a new bankruptcy attorney. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.