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chapter 13 x

  • NextPhaseNow
    started a topic Chapter 13 and the aftermath

    Chapter 13 and the aftermath

    I am new to this site and am so glad I stumbled upon it. My husband and I filed back in 2014 and our last payment is later this year. I have questions since the lawyer we used doesn't seem to have too many answers.
    We have been making timely mortgage payments and just turned in our leased vehicle...
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  • Bugwood
    started a topic Attorney Woes and State Moves

    Attorney Woes and State Moves

    Hello all! I'm brand new to this site (discovered within the last week) and I'm eager to get some valued input from you all!

    BK journey began in late 2015 with filing of a C13. I was told of C7 eligibility but that changed after practically working 14hr + days for a few months (First Attorney...
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  • ducky78
    started a topic credit cards during chapter 13

    credit cards during chapter 13

    I am three years into a five year chapter 13 in NYC. Late last year I was offered a Credit One unsecured credit card. I took it with an initial limit of $300; a month or so later it was raised to $700. I was never told by my lawyer or trustee that I cannot take a credit card; in fact, when I asked...
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  • Disabled Veteran - Questions / PLEASE HELP

    I've been lurking for a bit but this is my first post. Seems there is more knowledge here then with some Attorneys so maybe someone can help me. I cant seem to find an answer to these questions. I meet with an attorney yesterday but even he did not know.

    We are in CA. My husband is...
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  • newtobksd
    started a topic Status Change

    Status Change

    Hello -- The status on my 13 changed from Active to Active-Open what does that mean? Are they manually reviewing it or ? ???/ Thank You....
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  • brandv1
    started a topic Disaster discharge?

    Disaster discharge?

    I have so many questions and concerns right now that I don't know where to start.

    We're in Baton Rouge, and last week our house was flooded (about 17 inches of water throughout the house and no flood insurance because we are nowhere near a flood zone), as well as both cars. One car was...
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  • jimcruz
    started a topic TSP loan while on Chapter 13

    TSP loan while on Chapter 13

    Hi:
    I've search for an answer to my question but found nothing so here's my question.

    I work for the federal government in Puerto Rico, I file for bankruptcy about 15 months ago and been paying faithfully since. I owe my dad $4000 and he wants his money back, I have a tsp account
    ...
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  • CaseyKnox
    started a topic Filing to save My Home!

    Filing to save My Home!

    I'm so ashamed that My life has came to this. đŸ˜¢


    Just received notice, that our home will be foreclosed on May 19th.

    Seems that Chapter 13 is the only option We have left. We're behind almost $8k.

    We also have medical bills, approximately $25k between...
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  • cspa522
    started a topic DISCHARGED!!!

    DISCHARGED!!!

    It's over! It's over! We did it! 60 long months and we're done! Logged onto the CM/ECF database - I've been checking every few days since we made the last payment/took the financial management courses/sent in all the necessary paperwork - and it's done! Discharged!!! I can't believe it...
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  • Judge Questions USA Discounters’ Choice of Bankruptcy Venue

    September 15, 2015

    USA Discounters Ltd., a retailer that has been accused of scamming U.S. service members, is defending its decision to file for chapter 11 in Delaware despite having roots elsewhere.


    Judge Christopher Sontchi, a nine-year veteran of the bench in one of the...
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    Last edited by LadyInTheRed; 09-23-2015, 11:04 AM.

  • ​LESSONS LEARNED: My IMPERFECT road to… being DISCHARGED!

    I am so relieved. My story began 5.5 years ago with a trustee’s audit, a ‘Presumption of Abuse’ and a Dept. of Justice Audit thanks to an inexperienced BK lawyer. It’s a long read but I can’t imagine anyone going through this gauntlet again so I chose to share the major lessons I learned...
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  • US top court says 2nd mortgages on 'underwater' homes cannot be voided in bankruptcy

    The U.S. Supreme Court on Monday handed a win to Bank of America by ruling that a second mortgage on an "underwater" home—one with a mortgage balance exceeding its current value—cannot by voided during bankruptcy.

    On a unanimous vote, the court ruled against two homeowners,...
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  • patm95
    started a topic Rule 2002(f)-What does this mean?

    Rule 2002(f)-What does this mean?

    Hi all,

    Very good news that my wife just made her last payment. We got a letter in the mail from the trustee and I am confused as to what part of it means. If someone could give us some insight, I would greatly appreciate it.

    It States:

    "Pursuant to...
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  • driley13
    started a topic Losing job, 2 months severance

    Losing job, 2 months severance

    Hello. I am in Chapter 13 and just lost my job. I am receiving $6000 net lump sum severance based on two months work. I lack 12 months being discharged. I will receive $170 week net unemployment. I currently pay $872.00. I contacted my attorney and he indicated they would motion the court for a smaller...
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  • Advice on whether I should or should not file

    I'm a 27 year old college graduate with a job at a 501(c)3 nonprofit where I make just under $50,000.00 annually/net $3,100 a month. I'm in quite a predicament and looking for advice or feedback on others who have experienced a similar situation...

    Age: 27
    Current Credit Card Debt:...
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