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Wish me luck! Ready to file and get it moving!!!

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    Wish me luck! Ready to file and get it moving!!!

    I have completed the BK questionaire and have gathered up all the required documents and have the filing fee in Cash and will be heading to the lawyers office this upcoming Tuesday. I hope all goes well. We have 78K in CC debt and I am hoping that 1/2 of them do not file claims.

    The lawyer ran a preliminary means test and it shows up as $500.00 in disposable income. He feels we should have a pretty basic case, so well see. We are ready to get it over with.

    Lots of luck to all.

    I am sick of getting threatening letters in the mail. The mailman has to be wandering whats going on we are getting so much mail....but that's probably because we do not answer the phone.

    Cheers all!
    CopyCat...aka: DH

    Filed: 2/22/08

    #2
    It doesn't matter how many file claims. At $500/mo you're only looking at paying about $25K into it and I'm sure at least that will file claims out of $78K.
    So far, we're at $33K out of $76K and they still have 3 weeks to get them in!!
    Filed: October 1, 2007 341: December 10, 2007
    CONFIRMED: December 10, 2007
    Payment: $825 / Mo. for 5 Years-29 MONTHS OF Pmts Down 23 to go!

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      #3
      MM, will they up your amount if more people file? Just curious.
      CopyCat...aka: DH

      Filed: 2/22/08

      Comment


        #4
        Originally posted by DebtHeadache View Post
        MM, will they up your amount if more people file? Just curious.
        No. Once confirmed, your payment is what was confirmed no matter how many claims are filed.
        I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

        06/01/06 - Filed Ch 13
        06/28/06 - 341 Meeting
        07/18/06 - Confirmation Hearing - not confirmed, 3 objections
        10/05/06 - Hearing to resolve 2 trustee objections
        01/24/07 - Judge dismisses mortgage company objection
        09/27/07 - Confirmed at last!
        06/10/11 - Trustee confirms all payments made
        08/10/11 - DISCHARGED !

        10/02/11 - CASE CLOSED
        Countdown: 60 months paid, 0 months to go

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          #5
          Yes, exactly what IRPRN said.
          Filed: October 1, 2007 341: December 10, 2007
          CONFIRMED: December 10, 2007
          Payment: $825 / Mo. for 5 Years-29 MONTHS OF Pmts Down 23 to go!

          Comment


            #6
            Thanks Lrprn. Just need to wait patiently and see what happens after Tuesday.
            CopyCat...aka: DH

            Filed: 2/22/08

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