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knappyhead
Registered User
Last Activity: 10-09-2017, 04:30 PM
Joined: 07-09-2017
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  • knappyhead
    replied to Proof of Claims
    I'm thinking they filed before I surrendered the vehicle. I would guess once Toyota sells the vehicle and there is a balance they would re-submit the amount as an unsecured debt. My thought anyways....
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  • knappyhead
    replied to Proof of Claims
    I checked and a there are a handful but Toyota where I surrendered the car is claiming the full amount. I thought it would be sold and they would claim the difference in what was owed and what it sold as and claim the balance as an unsecured debt. They show it as secured. One car that is not in the...
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  • knappyhead
    replied to Proof of Claims
    Nothing on pacer yet...I checked a couple days ago....
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  • knappyhead
    started a topic Proof of Claims

    Proof of Claims

    I was just wondering since I had my 341 meeting last week how will I know what company filed a proof of claim? Do I get a notice in the mail or does the trustee send it to the attorney and it is passed to me for review? I want to ensure if a creditor files that it is correct and not trying to get...
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  • knappyhead
    replied to Credit Score
    All my payments are being made on time. What is nice is I can pay them as soon as they come in and not have to wait until a payday or not pay a credit card so I can pay another bill....
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  • knappyhead
    started a topic Credit Score

    Credit Score

    I check my credit score from time to time just to see what is happening. When I filed my credit took a nose dive and all my reports show that I have an active ch13. I have seen my credit score bump up by over 100 points and currently in the mid 600s. I was never late on payments prior to filing...
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  • knappyhead
    replied to Tax Debt
    So I had my meeting of the creditors today which went fine. I just need to show proof of the expenses for my dogs as they think it is high. I was told the IRS is not filing a claim against me at all which means they are going after my spouse. This sucks as she needs to set up a payment plan and we...
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  • knappyhead
    replied to Tax Debt
    So I am dealing with this tax issue now, an audit, and Wednesday is my meeting of the creditors. Not going as smoothly as I hoped. If she does need to pay the IRS I need to show it as an expense as it reduces the household income....
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  • knappyhead
    replied to Tax Debt
    The letter does state "You may pay your joint liability in full, or submit partial payments at any time". I would think we would need to know what the IRS is stating I owe as they have not submitted anything yet....
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  • knappyhead
    replied to Tax Debt
    I do remember my attorney at the start of my BK stated my spouse would be responsible for any interest or fees at the end of the 5 years. This letter seems they want to collect now....
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  • knappyhead
    replied to Tax Debt
    I will have to talk to my attorney in detail about this....
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  • knappyhead
    replied to Tax Debt
    In other words we have to set up a payment plan with the IRS for interest and penalty charge payments....
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  • knappyhead
    replied to Tax Debt
    We do not live in a community property state. Here is exactly what the letter states:

    The bankruptcy case of XXXX referenced above was filed on Aug 14, 2017. Our records indicate that you filed a joint income tax return with XXXX for one or more tax years that have the following balances,...
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  • knappyhead
    started a topic Tax Debt

    Tax Debt

    My spouse and I file joint on taxes but she did not file ch 13. Received a letter from the IRS that even though I am in a ch 13 she is not and interest and penalties continue to be assessed. They are basically stating she is responsible to continue paying the interest and fees. I need to contact...
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  • knappyhead
    replied to Relief of Stay and Notice of Motion
    Thanks Justbroke. Glad to know it was not something bigger and just procedural. Toyota has the car so not obstructing anything....
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  • knappyhead
    replied to Relief of Stay and Notice of Motion
    Thanks. Makes me feel better....
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  • knappyhead
    started a topic Relief of Stay and Notice of Motion

    Relief of Stay and Notice of Motion

    My attorney sent me an email that Toyota has filed a motion of relief from stay and notice of motion for my 2015 FRS. Fee amount $181 and hearing scheduled for 16 Oct 17. I voluntarily surrendered this vehicle to Toyota last week. My attorney stated since my ch13 plan has me surrendering this vehicle...
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