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New here & my chapter 13 journey

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    #31
    Originally posted by despritfreya View Post

    Yup - gotta love computer programs - smarter than us attorneys.

    Des.
    Im happy lol my atty was honest & was like we could try to fight for the ch 7 but thought it would cost me more in the grand scheme & mentally drain me

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      #32
      Ok well as of today equity problem solved & back to a 7 filing today woohoo!

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        #33
        Very nice news.
        Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
        Status: (Auto) Discharged and Closed! 5/10
        Visit My BKForum Blog: justbroke's Blog

        Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

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          #34
          Originally posted by justbroke View Post
          Very nice news.
          it was, I am so relieved

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            #35
            How'd you get around the equity and expanded homestead issues? Is this a dismiss and file 7 or conversion? Like I said before, I'd be scared to do a conversion without declaring the expanded homestead in the 13 with no opposition before converting.

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              #36
              Originally posted by flashoflight View Post
              How'd you get around the equity and expanded homestead issues? Is this a dismiss and file 7 or conversion? Like I said before, I'd be scared to do a conversion without declaring the expanded homestead in the 13 with no opposition before converting.
              it's neither, we had forgotten that the partial claim is a 2nd lien so when calculating the equity it was only using the mtg balance, adding the 2nd lien put us way under the homestead threshold. The 7 got filed today

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