Since we had a BK 3 years ago, we will need to do 100% payback. Also we bought our car just a little over 2 years ago. So we have to pay that 100% also. If we wait until July our 4 years will be up. So I have a question. If we wait, would we still end up paying 100% of everything back? We own NO house or real property to speak of.
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Filed August 09, all payments made as of July 12th, 2013.....Waiting on final audit and discharge! -
you would probably pay less than 100 percent if the 4 years since discharge has passed depending on your finances and your plan, of course. If you can, I would wait. -
Where are you getting "4 years"? Was that from filing or discharge? The rules are different depending on whether it was a 7 or 13 but I haven't seen anything allowing another BK in less than 604/04/08 filed Ch. 13
5/08/08 341 hearing
6/12/08 ConfirmedComment
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I belive the OP filed a chapter 7 and now needs to file a chapter 13. In that case, no discharge can be granted in a chapter 13 unless 4 years has passed since the last discharge was granted. This was inserted in 2005 to stop the chapter 20 filings where people would file a chapter 7 and wipe out all unsecured debt and then when discharge, file a chapter 13 immediately to catch up on the house or other debt not discharged in the chapter 7.Last edited by rrockinggramma; 10-15-2008, 04:59 AM.Comment
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