100% paid (probably...posted in the Mortgage section about possible fees the Mortgage company may want), but done 3 months early.
One of the fully paid creditors shows a $4900 'balance' on my Credit Reports (Credit Karma/etc.). I assume I should dispute that once the Discharge is final....
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Mortgage fees/etc at the END of a Ch 13, and future new Mortgage
100% paid Ch 13. I've been logging into NDC and keeping an eye on things. Knew I would be done about 3 months early with all the payments (5 year plan). Made the last payment last month. 5 years is up in May '24. Be nice to have the Discharge here shortly...but....a question arose...
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Student loan satisfied but no longer after discharge
I’ll keep this to the facts. I’m seeking any experience on this matter as my attorney, the two trustees he talked to and a second attorney have never experienced this before and not sure what the best course of action is.
I filed chapter 7 bankruptcy in 2022. I wrote a check to the...
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IRS Letter CP504
Hi, I just received via register mail two IRS letters CP504 for 2 years of taxes that are included in my Chapter 13 . I have been in an active Chapter 13 since April of 2022. I contacted my attorney. However he basically said the IRS can do what they want and he will reach out to the person at the...
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Is "discharged debt" considered Taxable Income?
Hi all! Long Time no Type. Things are getting better each day.
Quick question - I'm getting ready to prepare my 2023 taxes, I noticed I received a 1099-C from a bank that sponsored one of my fuel credit cards. I believe I had included this card in my "creditor" list when I filed...Last edited by BxRcvor; 03-08-2024, 04:25 AM.
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Cash and exemptions
Let me just preface this by- I know my lawyer is the best person to ask! I'm just trying to get a general idea as my meeting with her isn't for a whole month.
I will be filing a Chapter 7 no asset case in Michigan. Michigan is a state that allows you to use federal exemptions. I know there...
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Owe A LOT to IRS
I'm planning on filing chapter 7 next month. But I also have a very large amount (>50k) owed to IRS that will not be able to be discharged in BK. What options do I have? I know that the collections actions will cease while going through BK, but after discharge are they more willing to work with someone...
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Refund and ch. 13
I am in my 5th month of chapter 13....in for paying back at 100%.....will I get to keep my tax refunds since at 100%?
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Advisable to roll pension funds into 401K?
Hi folks.
When I turn 55, I will be eligible to access pension funds from a former company without penalties. My question: is it advisable to roll pension funds into a 401K? Waiting til I am 70 or so, would yield more direct from the pension, but I am wondering if taking it all out when I am 55,...
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Check from Car Repair: cash it, or use for car repair?
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BK13 Related Documents - Which Ones to Save and Shred?
My husband and I are paring down our considerable load of Bk13 -era documentation.
Which forms do we still need to keep 2 years post-bankruptcy, apart from our filing info with all creditors listed and our discharge and closing papers?
We are planning on shredding all extinct CC account...
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To Take the Leap or Not?
I recently received a Capital One offer for a new credit card solely in my name , but the interest rate is 30%.
Of course, I am already an authorized user and my credit score is around 700, but I don't currently work outside the home. I certainly don't need extra credit now.
What do you...
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Mortgage servicer will not allow access to their portal
Hi,
We are in C13 and have been paying our mortgage outside of that.
Previously, our servicer was Flagstar and we had no issues dealing with them. We always had to speak with their bankruptcy department but we had full access to their portal.
Recently, however,...Last edited by AndHereWeAre; 11-29-2023, 06:48 AM.
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Could a "Trust" Shield one from a "Bad Credit History?"
Hi All! Long time, no type!
I wanted to ask this question here, with the hope that there are enough of us with the right knowledge that could help. It could span a number of different topics, but I identify it mostly as a matter of "Rebuilding Credit," as that's what...
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NwodGniog started a topic Question Why would a debt collector attempt to pretend it was a different company?in CollectionsWhy would a debt collector attempt to pretend it was a different company?
I occasionally offer help and advice to friends and relatives dealing with debt collection calls. I recently witnessed some very strange activity by a debt collector that has me stumped. I am going to keep my relative's personal information out of this post and for now, I will keep the debt collector's...
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