In the Eastern District of North Carolina, chapter 13 debtors are required to obtain court approval prior to incurring debt or making a purchase in excess of $7,500.00. Conventional mortgage loans are rarely obtainable by chapter 13 debtors. Credit cards with credit limits in excess of $7,500.00 are rarely obtained by chapter 13 debtors. As such, the two most common instances where court approval is required are with vehicle loans and student loans. If the debtor is current with plan payments then the Application will often be approved in as short as seven (7) days. If the debtor is delinquent with plan payments then the Application may face opposition.