Just make sure your attorney files or filed that certificate along with the certification form.

Looks like the second class. (The second class is a "debtor education" or personal financial management class. The first class a "credit counseling" class.)

Just make sure it's not the first course. The first course you need at the time of filing (usually done just before filing). the second course is done after filing.

The only way to remove the mortgage lien is to satisfy the mortgage. Since this is an out-of-state property I'll assume it's not your homestead. In that case you can modify the rights of that mortgage holder, reduce the interest to the Till rate (but Till is pretty bad right now), reduce the value down...

The second debtor course is a financial management course. Our Chapter 13 Trustee has people do them right after the 341 meeting. The second course can be done at anytime after filing and before discharge; it is required for the discharge. Don't wait. Just make sure you are taking the correct (second)...

The worse possible scenario? First, that they file an adversary proceeding. Second, that they try to prove fraud. Finally, that the judge believes that you committed the fraud. That means the debt would be non-dischargeable and you'd have to pay it back.

Like me, your attorney is thinking...

I've never dealt with this. The exception, however, is in 11 USC 523(a)(2)(A) which covers property obtained by fraud, false pretenses, or false representation. Fraud is difficult to prove and the creditor would, as you imagined, need to file an Adversary Proceeding/Complaint (AP) to determine the dischargeability...

No idea. You could just shop around using the "no impact on your credit score" preapprovals from various banks. American Express, Discover, and even Capital One has these. Some banks also have "real" preapprovals as well. Is there a reason you specifically need BMO?

It can be any amount so long as it is below 9% of the card limit of the card that is reporting a balance. To be safe, keep it below 8% just in case.

I think Experian provides a true FICO score. If you can't get a true FICO from your bank or lender, then MyFICO is the only place to get them all. By all, I mean all 27+ variations of FICO.

Other than for Michigan and another State, the payment period begins on the first date you made a payment to the Chapter 13 Trustee. You can look at the NDC to see your "total plan base" and then your total paid to date. This number is usually accurate but may lag behind the Trustee's actual...

We shall see! Mine was so long ago, I don't remember what happened.

The physician should be able to provide a letter that shows that he can't work. Did you ask your attorney? I'm guessing you are only seeking an abatement (reduction) in the payment. If you are seeking a hardship discharge, then you wil need to prove that and you will need medical or other evidence....

I'm not a tax expert and this is a question that requires such an opinion.

I don't know how an individual's taxes would be an expense for an LLC/S-corp after the earnings have been passed-through to the members/shareholders. A Chapter 11 Subchapter V is to rehabilitate (or liquidate) the...

Are you currently in a Chapter 13? If so, then you'd need permission from the Chapter 13 Trustee.

If you filed Chapter 7 and are discharged, you should have already been inundated with car offers. If you haven't been receiving any, you can find a dealership that has a finance department...

Welcome to BKForum! Divorce and bankruptcy seem to go hand-in-hand. Feel free to ask any questions.

Generally speaking, they don't automatically stop. Either the Trustee or your attorney need to file a motion to withdraw the wage deduction order (WDO). I can't say who does that specifically in your jurisdiction. If you don't have a WDO and arranged payments through the Trustee's system, then you'll...

I would never voluntarily dismiss a Chapter 13 when it's within just a few months of discharge. Perhaps you could get a hardship discharge but you'll have to speak with your attorney about what options you have. A conversion may also be in the picture if you have a substantial change in income and your...

Most company cards are guaranteed by the company and are not a problem. True AMEX Corporate cards have some quirks as they are dual responsibility, but the company can still issue a guarantee.

You'll just have to see what happens.

Welcome to BKForum. It is certainly overwhelming when you are on the eve of bankruptcy. Feel free to start a new thread and ask any specific questions.