Hi Everyone:
I'm so grateful for this board! I filed a chapter 13 and have already made my first payment of $1636 to the trustee with 56 more to go. We would like to keep our house and are making the payments outside of plan. The problem is that I'm a writer and live off of my advances. My hubby works a full-time job but his income can't cover both the trustee payment, the utilities and other expenses and our mortgage. Our income averages between 100k- 150k but this year has been crazy and recently my publisher has decided to wait until the new year to see my pre-sale numbers for upcoming book before offering me a new contract. For 11 years, I've gone back to contract no later than September and we've budgeted our monies to get us through the end of the year--well, as you can imagine, we've had drama with getting checks late, unexpected emergencies, death in the family, etc. My question is this: I am going to contract with new publishers (in negotiations) but monies will not be in hand until February or March 2008. We still have to pay the mortgage and property taxes in the meantime and I'm wondering if we can have atty amend our plan to lower or have no payments to trustee until March 2008 and adjust our payments accordingly? I live in North Carolina.
My second question is regarding taxes owed to IRS. They filed a claim from unpaid taxes from 93-96 and said that we have a lien, but we were never notified of this and it doesn't show up on our credit report. The date on the form in Pacer says it was filed Dec. 2006 but it has our 2007 BK case number on it--if this form is supposed to be the original--how can the case number be on it? I don't want to mess with the IRS and I'm willing to pay what I owe but it's all unsecured and should be treated as such.
I apologize for the long email. Thanks in advance.
I'm so grateful for this board! I filed a chapter 13 and have already made my first payment of $1636 to the trustee with 56 more to go. We would like to keep our house and are making the payments outside of plan. The problem is that I'm a writer and live off of my advances. My hubby works a full-time job but his income can't cover both the trustee payment, the utilities and other expenses and our mortgage. Our income averages between 100k- 150k but this year has been crazy and recently my publisher has decided to wait until the new year to see my pre-sale numbers for upcoming book before offering me a new contract. For 11 years, I've gone back to contract no later than September and we've budgeted our monies to get us through the end of the year--well, as you can imagine, we've had drama with getting checks late, unexpected emergencies, death in the family, etc. My question is this: I am going to contract with new publishers (in negotiations) but monies will not be in hand until February or March 2008. We still have to pay the mortgage and property taxes in the meantime and I'm wondering if we can have atty amend our plan to lower or have no payments to trustee until March 2008 and adjust our payments accordingly? I live in North Carolina.
My second question is regarding taxes owed to IRS. They filed a claim from unpaid taxes from 93-96 and said that we have a lien, but we were never notified of this and it doesn't show up on our credit report. The date on the form in Pacer says it was filed Dec. 2006 but it has our 2007 BK case number on it--if this form is supposed to be the original--how can the case number be on it? I don't want to mess with the IRS and I'm willing to pay what I owe but it's all unsecured and should be treated as such.
I apologize for the long email. Thanks in advance.
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