My lawyer has stopped dealing with bankruptcy cases and has ignored my case for the most part.
With my husband's job contract not being renewed, we are once again at a point where income is questionable.
Six months or so ago when my husband was on a different contract and I (again) freaked out, I ask my lawyer if there was anything he could do to spread out payments.
His response was the payments go for 60 months and we are on a 0% plan so there was nothing we could do.
When I look at the trustee site, the 4K a month added up to a lot more than the payoff amount.
Forward to today... Another anxiety attack over money in general, I took it upon myself to call the debtor line at the trustee's office to ask if there was anything that could be done.
She looked at our case that was started in May but first payment was made in June (Lawyer didn't tell us we needed to pay in May). With only $10814 left, she put a notation that we'd be lowering our payments to $2200 with our last payment due in June. I think this gave us an extra month, but if the Trustee's office is fine with it, so am I!
It was that easy.
I've seen warnings not to bother the trustee with minutia, but in cases where your lawyer isn't communicating, a simple phone call can go a long way!
I can stop popping Valium and be productive again!
With my husband's job contract not being renewed, we are once again at a point where income is questionable.
Six months or so ago when my husband was on a different contract and I (again) freaked out, I ask my lawyer if there was anything he could do to spread out payments.
His response was the payments go for 60 months and we are on a 0% plan so there was nothing we could do.
When I look at the trustee site, the 4K a month added up to a lot more than the payoff amount.
Forward to today... Another anxiety attack over money in general, I took it upon myself to call the debtor line at the trustee's office to ask if there was anything that could be done.
She looked at our case that was started in May but first payment was made in June (Lawyer didn't tell us we needed to pay in May). With only $10814 left, she put a notation that we'd be lowering our payments to $2200 with our last payment due in June. I think this gave us an extra month, but if the Trustee's office is fine with it, so am I!
It was that easy.
I've seen warnings not to bother the trustee with minutia, but in cases where your lawyer isn't communicating, a simple phone call can go a long way!
I can stop popping Valium and be productive again!
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