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Mailman12
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Last Activity: Today, 01:20 PM
Joined: 02-24-2016
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  • Mailman12
    commented on 's reply to Truck payment during chapter 7
    Thanks for your response, I got an email this afternoon from my attorney stating that the trustee wants to arrange to pick up my boat. My attorney stated that the trustee hasn't mentioned the truck at all, my attorney told me that the trustee in the southern Florida district will usually take the property...
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  • Mailman12
    replied to Truck payment during chapter 7
    I'm in Florida, only allowed $1k exemption for a vehicle, I have equity in it, the attorney hasn't returned any of my calls or emails, he stated to me that the trustee is going to take my truck
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  • Mailman12
    replied to Truck payment during chapter 7
    I would like to reaffirm, but it might have too much equity, I don't know what the trustee has decided, I guess I will just to wait and see
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  • Mailman12
    started a topic Truck payment during chapter 7

    Truck payment during chapter 7

    My 341 is in two weeks, my attorney told me that if I was going to surrender my financed truck and my boat that I own, that it would be 10 days before the 341. I haven't heard anything yet. I owe $9k on my truck and it's worth around $13k, my question is that my truck payment to USAA was due yesterday,...
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  • Mailman12
    started a topic chapter 7 no asset

    chapter 7 no asset

    Is it normal for an attorney to file chapter 7 claiming no assets, even though I have assets? I have a financed truck with $4k equity and a boat that I own. Just wondering, if this is normal. Thanks in advance
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  • car financing during or after chapter 7 with cosigner

    A family member with excellent credit is planning on cosigning on a vehicle loan with me. What kind of interest rate can I expect?...
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  • Mailman12
    replied to chapter 7 confusion
    Is it possible that the trustee will abandon the truck? My payments are only $250 a month, it is going to cost me a lot more than that to buy another vehicle, I do need a vehicle for my job and everything else. I just don't understand why my attorney isn't giving me any possible scenarios as to what...
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  • Mailman12
    replied to chapter 7 confusion
    That is what I'm thinking, Florida had a $1k vehicle exemption, I do have equity in the truck, someone posted a reply in another post that equity doesn't matter, I kind of understand the concept, I will be without a vehicle if I surrender it, but I guess it's my problem, I'm current on the payments
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  • Mailman12
    replied to chapter 7 confusion
    Is it my decision to reaffirm the loan on my vehicle? Do I need permission from the trustee?
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  • Mailman12
    started a topic chapter 7 confusion

    chapter 7 confusion

    Filed c7 last week, have my 341 on 31May. I've asked my attorney about reafirming the the loan on my truck, I owe $9k, probably have $5k equity in it. My boat, engine and trailer are probably worth around $4k, I own the boat. I'm ready to give up the boat, but I want to keep the truck, this is a...
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  • I do have $3k equity in the truck, if I reafirm will the trustee forget about the equity? I'm confused about this, I don't want to be forced to a 13
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  • Would it be possible to have a family member co sign on a vehicle before I surrender this one, or would it compliclate anything. Would I need permission from the trustee to do this?
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  • reaffirming loan or financing another vehicle before 341

    Hello all, just filed c7 with lawyer on 4-27-18, I checked pacer and have my 341 on 5-31-18. My situation is $45k in nonsecured CC debt, I own my home (in Florida), I own a boat worth $8k, I'm financing a truck owe $9k on it with two and a half years left to pay it off. My attorney told me that I should...
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