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General Chi-Chat & Introductions Everything NON-bankruptcy related. Topics: 3,467 Posts: 40,541 Last Post: New to site, CH 7 filed 26-Aug	3,467	40,541	New to site, CH 7 filed 26-Aug by justbroke 08-05-2022, 01:07 PM

Bankruptcy & Credit News Post & discuss bankruptcy & credit news in this forum Topics: 1,298 Posts: 9,892 Last Post: DeSantis Vetos Increasing the FL Bankruptcy Motor Vehicle Exemption From 1k to 5k	1,298	9,892	DeSantis Vetos Increasing the FL Bankruptcy Motor Vehicle Exemption From 1k to 5k by justbroke 05-28-2022, 06:55 PM
Before the Discharge
General Bankruptcy Talk Bankruptcy discussions that don't fit in existing subcategories Topics: 12,723 Posts: 95,524 Last Post: Rule 2004 examination	12,723	95,524	Rule 2004 examination by Carmella Today, 08:58 AM
Unemployment Unemployment/underemployment is the leading cause for filing bankruptcy Topics: 155 Posts: 2,034 Last Post: Large Tax Refund After Case Closed	155	2,034	Large Tax Refund After Case Closed by krissmith33 02-01-2022, 04:06 PM
Chapter 7 Everything related to Chapter 7 Topics: 31,865 Posts: 247,631 Last Post: Buying new sewing machine after filing?	31,865	247,631	Buying new sewing machine after filing? by Gixermeup Yesterday, 05:03 PM
Chapter 13 Everything related to Chapter 13 Topics: 14,483 Posts: 101,820 Last Post: Equity in Cramdown	14,483	101,820	Equity in Cramdown by TurnThePage Today, 07:25 PM
Property Transfer & gifts Discuss issues related to property transfers & gifts Topics: 197 Posts: 1,256 Last Post: Are gifts from friends/family considered income?	197	1,256	Are gifts from friends/family considered income? by justbroke 02-21-2022, 08:43 AM
Insurance Insurance related discussions Topics: 133 Posts: 1,361 Last Post: Insurance Settlement questions	133	1,361	Insurance Settlement questions by shipo 07-27-2021, 04:14 PM
Medical Debt going bankrupt due to medical debt Topics: 3 Posts: 7 Last Post: Chapter 13 Medical with ongoing health issues	3	7	Chapter 13 Medical with ongoing health issues by justbroke 12-15-2020, 04:24 PM
Tax Issues, Wage Garnishment, Liens Tax Issues, Wage Garnishment, Liens Topics: 64 Posts: 378 Last Post: Question OIC Pending and 2021 Extension	64	378	Question OIC Pending and 2021 Extension by justbroke Yesterday, 07:30 AM
Exemptions Everything about exemptions Topics: 736 Posts: 3,714 Last Post: Surrendering a motorcycle to get cash?	736	3,714	Surrendering a motorcycle to get cash? by justbroke 05-30-2022, 08:09 PM
Foreclosure Everything about foreclosures . . . . . Topics: 3,225 Posts: 22,180 Last Post: Question I recieved a default / breach letter with a due date. Questions	3,225	22,180	Question I recieved a default / breach letter with a due date. Questions by Mark80 06-23-2022, 11:24 AM
Collections Collections, Creditors?! Discuss solutions in this forum. Topics: 3,351 Posts: 31,763 Last Post: Question Just noticed two credit collections with a company from 2009. Do I just ignore them?	3,351	31,763	Question Just noticed two credit collections with a company from 2009. Do I just ignore them? by Mark80 06-23-2022, 11:29 AM
Repossession Issues related to repos, tips/tricks etc Topics: 308 Posts: 2,069 Last Post: Question Regional Acceptance - Write Off	308	2,069	Question Regional Acceptance - Write Off by IvoryAngel 07-16-2021, 10:04 AM
341 Meeting Share you 341 experience, ask questions, be ready for it Topics: 908 Posts: 6,248 Last Post: Telephonic 341 and presentation of identity and SS#	908	6,248	Telephonic 341 and presentation of identity and SS# by IHaveRegrets 03-14-2022, 11:21 AM
Adversary Proceedings Did you get hit by adversary proceedings? Let's share our experience and help each other. Topics: 188 Posts: 1,939 Last Post: AP for a large PMSI loan	188	1,939	AP for a large PMSI loan by justbroke 11-13-2020, 09:53 PM
Small Business & Investment Real Estate Business related discussions, such as liquidation of inventory, account receivables, s-crops etc Topics: 254 Posts: 1,436 Last Post: Investor Home Sale About to Close	254	1,436	Investor Home Sale About to Close by justbroke 06-14-2022, 02:20 PM
Pro Se (Pro Per) Filing Representing yourself? This is where we discuss the art of pro se filing Topics: 1,315 Posts: 9,419 Last Post: Some things im learning along the way	1,315	9,419	Some things im learning along the way by bornfree2 05-25-2022, 05:58 PM
Bankruptcy FAQ Frequently Asked Questions regarding Bankruptcy Topics: 23 Posts: 87 Last Post: How soon can Debtor sell/spend exempted property?	23	87	How soon can Debtor sell/spend exempted property? by bornfree2 04-05-2022, 05:41 PM
Sample Forms/Letters Post sample letters (not links) and forms which can easily be modified and used by other community members. Topics: 11 Posts: 96 Last Post: Cease and Desist Communications Letter, Judgment Proof Letter	11	96	Cease and Desist Communications Letter, Judgment Proof Letter by bcohen 10-08-2019, 09:39 PM
After the Discharge
Rebuilding Credit How to rebuild credit, apply for secured cards, dispute items etc Topics: 3,566 Posts: 25,911 Last Post: Credit card-Ollo Platinum Card	3,566	25,911	Credit card-Ollo Platinum Card by flashoflight Yesterday, 03:00 PM
Buying a car after BK Discussing everything related to auto financing. Topics: 855 Posts: 6,887 Last Post: FWD CUV in Washington State -Are They Safe?	855	6,887	FWD CUV in Washington State -Are They Safe? by shipo 07-16-2022, 10:46 AM
Mortgage after BK Yes, it is possible to buy a house sooner than you thought Topics: 1,099 Posts: 8,379 Last Post: Should I re-affirm / refinance prior to doing any repairs / upgrades?	1,099	8,379	Should I re-affirm / refinance prior to doing any repairs / upgrades? by Mark80 06-23-2022, 11:21 AM
Getting a job \| Starting a business Bankruptcy is behind us, now let's discuss issues concerning jobs/employers or starting a biz Topics: 65 Posts: 626 Last Post: Hustle ideas? $1000 in 15 days?	65	626	Hustle ideas? $1000 in 15 days? by bornfree2 04-20-2022, 01:30 PM
Retirement Planning IRAs, 401k, 403b, Social Security, Annuities Topics: 24 Posts: 257 Last Post: Paying Down Mortgage v. Investing	24	257	Paying Down Mortgage v. Investing by womanonfire 04-15-2022, 06:48 AM
Student loans Here we talk about student loans and related obstacles Topics: 369 Posts: 2,360 Last Post: social security garnished , are they done ?	369	2,360	social security garnished , are they done ? by joshuagraham 06-25-2021, 11:49 PM
Smart Personal Finance Insights Here we share successful money management tips, budgeting, saving, and other insights for financial success Topics: 155 Posts: 1,717 Last Post: Dave Ramsey and other financial experts	155	1,717	Dave Ramsey and other financial experts by Carmella 07-23-2022, 02:11 PM
After Stories How did you make out after your BK? In this forum, please share your story. 1yr, 5yr, 10yrs after BK Topics: 41 Posts: 173 Last Post: 2nd Investor House Under Contract After Only Three Days on Market	41	173	2nd Investor House Under Contract After Only Three Days on Market by Barbisi 07-01-2022, 08:37 AM
Other Legal Forums
Divorce, Separation, Anullment, Alimony Topics: 14 Posts: 67 Last Post: How does a succession (probate) deal with the deceased's creditors?	14	67	How does a succession (probate) deal with the deceased's creditors? by justbroke 09-03-2021, 10:39 AM
Child Support, Custody, Visitation Topics: 3 Posts: 41 Last Post: Unmarried Fathers rights	3	41	Unmarried Fathers rights by bornfree2 04-18-2021, 08:57 AM
Firing, Hiring, Wrongful Termination Topics: 5 Posts: 35 Last Post: Want to know about employment law	5	35	Want to know about employment law by howardpotts 07-27-2016, 01:52 AM
Real Estate, Landlord/Tenant Issues, Wills, Trusts Topics: 26 Posts: 159 Last Post: Renting after CH7 discharge?	26	159	Renting after CH7 discharge? by justbroke 03-29-2022, 04:31 PM
Other Forums
BKForum Feedback Feedback and suggestions regarding BKForum forum/site/features Topics: 59 Posts: 926 Last Post: Private Messages	59	926	Private Messages by justbroke 10-26-2021, 08:22 PM
Staff Category

Mark Channels Read

Equity in Cramdown

by TurnThePage

So what happens to the "equity" in a vehicle cramdown if one chooses to dismiss a Chapter 13, or convert it to a 7?...
- Channel: Chapter 13
Yesterday, 03:39 PM
OIC Pending and 2021 Extension

by xyta777

Two questions relating to Ch 7 and taxes:
1) In November of 2021 I sent in an OIC and it has been pending consideration ever since. I haven't heard back from the IRS if they have accepted or rejected my offer. How does the Ch 7 interrupt this process? I'm aware of the 2/3/240 rule, but I noticed...
- Channel: Tax Issues, Wage Garnishment, Liens
08-05-2022, 12:21 PM
New to site, CH 7 filed 26-Aug

by xyta777

Hi there - new to the site, just filed Ch 7 in N IL courts. I've used myFICO and wanted to see what kind of information/experiences another site may offer. IIB is about $45k across 25 creditors in consumer debt and I'll carry through about $100k in student debt. No kiddos, spousal, or alimony. Thx!
- Channel: General Chi-Chat & Introductions
08-05-2022, 12:04 PM

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