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rjmwx81
Registered User
"Not a lawyer. Nothing posted here should be considered legal advice."
Last Activity: Today, 02:19 PM
Joined: 05-28-2010
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  • 3 words that will allow you to sleep and reduce the chance of getting an ulcer over this: "TRUST YOUR ATTORNEY."

    There were dozens of things in my case that could have gone wrong or caused problems. My attorney kept telling me "Don't worry, that won't be an issue" and...
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  • Not all attorneys will take creditor calls on just a $100 retainer. Some will want the full fee before they start doing any work. Something to ask during your free consultation.

    I know you're hesitant to go it alone, but is there anything particularly unusual about your case? If it's...
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  • rjmwx81
    replied to Discharge Deadline Tomorrow, Next Steps?
    So far most of the guidelines I've seen have said to give it at least a couple weeks to a month post-discharge....
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  • rjmwx81
    replied to Need to decide: Vehicles
    Well, now at least you know what your options are. If I were you I'd start looking into the possibility of a 722 redemption loan. It would essentially be like a reaffirmation, except you're only going to be paying the actual value of the vehicles instead of the full loan amount you currently owe....
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  • rjmwx81
    replied to Discharge Deadline Tomorrow, Next Steps?
    What I'm finding is that the keyword post-discharge is "patience." It takes a little time for your discharge to filter through your credit reports and for all your creditors to update your status to "included in bankruptcy" I know a lot of people (myself included) want to dive...
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  • rjmwx81
    replied to 6 months before filing questions?
    1. As soon as possible. You can pay your bills (utilities, etc) with a debit card or your checking account.
    2. As soon as possible. The companies will start collection activities (calls/letters) right away. Whether they sue, and how long before they sue, is not predictable but usually it's more...
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  • rjmwx81
    replied to Need to decide: Vehicles
    I'm not sure why the attorney is so hesitant to just call them and confirm that a retain-and-pay is an option. If I were you I'd be lighting a fire under the attorney's butt to get this taken care of. I'm sure both the attorney and the CU want you to make a decision but you can't make a decision until...
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  • rjmwx81
    replied to Credit Score Increase
    Mine took a decent jump after filing as several accounts disappeared completely. Most still show "derogatory" or "in collection status" now but I'm sure will update shortly to "IIB" as they get word of my discharge....
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  • rjmwx81
    replied to Need to decide: Vehicles
    The credit union COULD say one thing and do another, but from a practical perspective it's easier for them to sit there and collect money from you, as opposed to finding the cars, repossessing them, cleaning them up, and selling them. This is why most creditors are okay with doing a retain-and-pay:...
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  • rjmwx81
    replied to Need to decide: Vehicles
    Yeah if she signs them then there will be no judge. What you want is for your attorney NOT to sign them, and then the judge to deny them.

    As for lifting the stay, it's very unlikely they'd do that if you're current. I was thinking more along the lines of if you didn't pay while deciding...
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  • rjmwx81
    replied to Need to decide: Vehicles
    Of course, before you go through all that you should check with your attorney and the CU and see if a ride-and-pay is possible without jumping through the reaffirmation hearing hoop. In some districts, it's expressly allowed, in other districts, it goes through with kind of a wink and a nod (you state...
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  • rjmwx81
    replied to Need to decide: Vehicles
    I got a new car loan during my case but the interest rate was pretty high. You may well end up with a payment for one car that nearly equals your current payment on 2.

    I forget what the timeframe is as far as carrying out your stated intention (reaffirm, surrender, etc) but the credit...
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  • rjmwx81
    replied to Question
    Thanks. It sure feels nice to be done. The next 60 days will feel like an ETERNITY, but once it's over it's like coming up for air after being underwater for two months....
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  • rjmwx81
    replied to Question
    It's very significant to your case, and it's good news. It means that the trustee has determined that you have no assets that can be sold to pay creditors. You're now OFFICIALLY a no-asset case and now you just wait 60 days for the "objection to discharge" window to expire.
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  • rjmwx81
    replied to Discharged!
    Absolutely. I plan to stick around and "pay it forward" so to speak. Thanks again!...
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  • rjmwx81
    started a topic Discharged!

    Discharged!

    After years of stress (note the join date compared to the actual filing date), worry, hesitation, panic, over-reacting, and second-guessing myself, that magic little document popped up on PACER this afternoon. In the immortal words of the great philosopher, StrongBad: "IT'S OVER!"
    ...
    "It's OVER!"
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  • rjmwx81
    replied to Need to move out
    If you move to a different state you're likely going to have to wait a while to file, as there are residency requirements which affect which exemptions you're allowed to use.

    I had no problem renting a moving truck with just a debit card, so that would be the least of my concerns if I...
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  • Are you asking what you'd end up having to pay in a chapter 13 plan, in terms of percentage of your total debt? If so, that's going to be determined by your income, and whether the debt is secured....
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  • rjmwx81
    replied to So when EXACTLY does the deadline expire?
    Nothing filed. I notice that Pacer doesn't say that it's "terminated" yet but maybe it's not supposed to. Either way, looks like discharge is now a matter of "when" and not "if." I mean, it probably was anyway, but it's nice to be past that deadline....
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  • rjmwx81
    replied to So when EXACTLY does the deadline expire?
    Looks like I'll be staying up for a Pacer check at 12:01 then. lol. Thanks....
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