Last edited: May 12, 2017 The question is as the title suggests. So if you're involved in an IPO after bankruptcy. Is the amount you have to pay out each month maxed at the amount you had to pay when you exited bankruptcy ? Or - if your income increases further during the ipo period (post bankruptcy) will your monthly payments also increase accordingly ? (And does the same apply to any lumps sums received post bankruptcy such as bonus, inheritance etc.) (In which case to all intents and purposes you are as good as bankrupt for many years in terms of any additional income and any lump sums you can receive post bankruptcy) And if this is the case, can someone get a loan greater than €650 (the threshold during bankruptcy itself) during this IPO period post bankruptcy. Can someone then use this loan to pay back the total amount owed in one lump sum that would have to pay for the additional years, thereby releasing themselves from the IPO immediately. (and thereby allowing themselves to win the proverbial lottery without having to pay anything over) E.g I have exited bankruptcy. I must still pay an additional €100 a month fro next 2 years. Can I just get a loan from a 3rd part and pay €2,400 in one go - that way being out of reach of the receiver from that day on.