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shipo
shipo
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Last Activity: Today, 02:58 PM
Joined: 02-23-2020
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  • shipo
    replied to Bonuses CH 13 FL
    During my Chapter 13, also not in a 100% plan, my Trustee wanted all of my excess tax return funds over $1,250. Three of those five years I got bonuses amounting to at least $15,000; my attorney told me to not report the money to the Trustee and just turn over my tax return the following year. As...
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  • My wife filed Chapter 7 a year before my Chapter 13, I don't have any screen shots or other documentation, but if I recall correctly her Chapter 7 didn't impact my credit at all, even though a number of the debts were in both of our names. When I filed Chapter 13 the joint debts became elements of...
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  • Hang in there cdmosaic, it can get better. As of late May 2014 she was adamant about divorcing me and let me know she'd had her attorney draw up the paperwork; the timeline was for us to be divorced by late June of that year. I drove our son's car down to NAS Pensacola for him around Memorial Day...
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  • Ugh, so sorry about your situation; my wife and I were both in your shoes eleven to twelve years ago; her business, also an LLC was burning through about $5,000 per month over and above whatever it brought in, and then I found out my (now former) business partner had launched a new niche business and...
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  • shipo
    replied to Ho
    I assume you filed either a Chapter 7 or a Chapter 13. The next step, if it hasn't happened already, is for your discharge to be ordered and to take effect. Once your discharge is in place, you need to start your rebuilding process; here is a link to help you get started:...
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  • shipo
    replied to Ho
    Can you be more specific on what you're looking for?
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  • shipo
    replied to 4 Credit Cards???
    Follow up on my "All-Zero" penalty which hit two weeks ago; as mentioned above, my TDCash card which usually reports a small balance every month reported zero this month. As also mentioned, I simply adjusted my payment for my Chase Freedom Unlimited to be short about $20, and that balance...
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    Last edited by shipo; 03-21-2024, 09:37 AM.

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  • shipo
    replied to Done, Stick a fork in me I am done!
    This is why we strongly recommend interviewing four or five attorneys; I interviewed three before I found the one I used, those first three left me luke-warm, the fourth hit the ball out of the park and I was happy to pay her $5,500. In the end the money I paid her was saved many times over once the...
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  • shipo
    replied to Chapter 7 and sale/trading of crypto
    The only financial institution to file against me was the holder of the second mortgage on our house. We were deeply under water in 2013, even though we'd owned the house for 11 years and had sunk more than a quarter of a million into upgrades over that time. My wife was unemployed and I was grossly...
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  • shipo
    replied to I’m on my way
    Congratulations Flgranny, get the monkey off your back and sleep better at night. CapitalOne is an odd duck, you have a better chance of getting a good credit limit with middling credit scores right after a bankruptcy then you do once your scores recover up into the 800s....
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  • shipo
    replied to Available Credit
    To underscore what justbroke wrote, dismiss anything you see on Credit Wise and Credit Karma, they are what are called FAKO scores (i.e. Vantage 3.0) and are ignored by the credit industry; the only scores which are relevant are the FICO scores which you will not get from those two sources.
    ...
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  • shipo
    replied to 4 Credit Cards???
    I typically only use one card for my "reporting card", if you use a card and never let it report a balance, that doesn't qualify you for closure for lack of use; closure only happens when you go a year or more without making a single charge. I have two or three cards which are several years...
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  • shipo
    replied to 4 Credit Cards???
    So, as if to illustrate my point above about playing the AZEO game instead of the AZ (All-Zero) game, all of my revolving accounts were reporting $0.00 balances earlier this month, and just like clockwork, all three of my FICO 8 scores dropped, here's one of the reports I got when it happened:
    ...
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  • shipo
    replied to Chapter 7 and sale/trading of crypto
    I cannot answer all of your questions, but I do have few possible answers for you:
    • I strongly recommend contacting not just one attorney now, but more like three to five attorneys now; interview them all and pick the one you are the most comfortable with. In my case I interviewed attorneys more than
    ...
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  • shipo
    replied to Done, Stick a fork in me I am done!
    I love all of these Chapter 13 success stories; congratulations!
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  • shipo
    replied to We might move in 2 yrs
    Well, if, and at this point that is a pretty big IF, we find a good place any time soon, one consideration would need to be how livable it will be toward the end of our lives. We're both nearing 70 and after years of being very active, we're assuming things will catch up to us some day and navigating...
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  • shipo
    replied to We might move in 2 yrs
    Renting is not going to happen for us, ain't no way I want to move twice.
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  • shipo
    replied to We might move in 2 yrs
    A few comments:
    • Checking your "free" credit scores at banks and other financial institutions (Vantage 3.0 at CapitalOne and one of the FICO 9 scores at PenFed) does nothing to inform you what your 5/2/4 FICO mortgage scores are; the only way I know to get all of one's FICO scores (of which
    ...
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  • shipo
    replied to Apt leases
    I was nearly two years into a lease when I filed for Chapter 13; my lease converted to month-to-month at the two year mark and I ended up living there for another 7 years.
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  • shipo
    replied to New here
    Flgranny, lots of us here have been through either a Chapter 7 or a Chapter 13, some have been through both. Yeah, it is a daunting prospect to file for bankruptcy, but there is definitely light at the end of the tunnel....
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