Hello all.
My husband and I filed Chapter 13 and had it confirmed in January of 2004. We initially filed for a 70% plan which was increased to 100% (which, by the way, we found out by accident -- NOT through our attorney) after 6 months into the plan. We were supposed to pay for 60 months.
My issue is this: In December 2007 13datacenter listed us as owing a little under $1000 total. We had been on plan to pay off about a year early ever since we filed (our attorney said that most people don't go the entire 5 years). I received our periodic Trustees Report To Debtor dated 01/24/2008 that listed everything exactly in order with the website. I scraped and scrimped (after losing my job) to pay the last few payments (which were listed as received with "One Disbursement Hold" each time) and there hadn't been a disbursement or change since late December 2007. However, I get online today and find that a disbursement was made on March 3 -- but one of my creditors' amounts had INCREASED by $1800!!!!!!! This creditor has taken $477 of the $952 I had payed in over the past two months and now instead of it being almost over we still owe $2000-something dollars!!!!!!!
I could understand if there was a glitch in the 13datacenter website, but all the reports from the trustee have always listed the same amounts. How could one of them increase by so much? They were all 0% interest and 100% payback. I've called my attorney and left a message but I'm freaking out right now. I can't afford to pay another $2000 after losing my job . . . I thought I was out of the woods!
Has anybody else experienced anything like this? I'm wondering if an audit was performed and there had been a mistake all along? Sheeeeesh I'm gonna be sick . . .
My husband and I filed Chapter 13 and had it confirmed in January of 2004. We initially filed for a 70% plan which was increased to 100% (which, by the way, we found out by accident -- NOT through our attorney) after 6 months into the plan. We were supposed to pay for 60 months.
My issue is this: In December 2007 13datacenter listed us as owing a little under $1000 total. We had been on plan to pay off about a year early ever since we filed (our attorney said that most people don't go the entire 5 years). I received our periodic Trustees Report To Debtor dated 01/24/2008 that listed everything exactly in order with the website. I scraped and scrimped (after losing my job) to pay the last few payments (which were listed as received with "One Disbursement Hold" each time) and there hadn't been a disbursement or change since late December 2007. However, I get online today and find that a disbursement was made on March 3 -- but one of my creditors' amounts had INCREASED by $1800!!!!!!! This creditor has taken $477 of the $952 I had payed in over the past two months and now instead of it being almost over we still owe $2000-something dollars!!!!!!!
I could understand if there was a glitch in the 13datacenter website, but all the reports from the trustee have always listed the same amounts. How could one of them increase by so much? They were all 0% interest and 100% payback. I've called my attorney and left a message but I'm freaking out right now. I can't afford to pay another $2000 after losing my job . . . I thought I was out of the woods!
Has anybody else experienced anything like this? I'm wondering if an audit was performed and there had been a mistake all along? Sheeeeesh I'm gonna be sick . . .
She also informed me that the "Trustee's Periodic Report To Debtor" is NOT sent out by the Trustee but is, in fact, sent out by automation from another location entirely. So, now, the $952 that I sent in at the first of the year is NOT paying my Chapter 13 off. Nope, I still owe over $2000 and I no longer have any income coming in to cover the payments. My husband and I can't afford to continue paying $403 for the next six months (which is how long she said it would continue) especially since I now wonder about whether or not THAT total is correct. Her advice? Try to pay the payments. My only other option, according to the secretary, is filing a request for my payments to be lowered. However, I have to pay my attorney $150 up front for him to file that request AS WELL as continue to pay the $403 per month until we receive a reply.
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