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What is your best advice for a successful 13?

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  • #76
    I didn't read all the replies to see if this suggestion is covered, so I apologize if it is.
    I suggest when you have the option of having the plan payment taken out of your paycheck, YOU DO IT. Do a pacer check of other chapter 13's in your area, or others that share your name and see the disposition of a lot of them. A majority of dismissals are failure to make plan payment. Sometimes we just simply forget. If your Trustee is a forgiving type, maybe you'll be fine, but if not, you'll find yourself closed out. Having it automatically taken from your paycheck will ensure you will NEVER forget. Embarrassing for your payroll department to know your financial business? Get over it. My employer was one of my creditors, so obviously they just might get wind of it. That would suck to be in the home stretch and forget to send in a money order that month.
    Filed 09/08/10, $26k unsecured. Plan submitted 09/16/10, $250/mo X 36 Months = $9,000.
    First Payment: 09/28/10 341 Hearing: 10/12/10, Confirmation: 10/28/10
    2nd debtor education course taken: 02/05/13. DISCHARGE: 10/10/2013.


  • #77
    DISCIPLINE, plain and simple. If you don't need it don't buy it.


    • #78
      I agree chapter 13 bankruptcy is a powerful tool for all debtors those who are suffering financial constraints. Actually, chapter 13 has the ability to save a home from foreclosure. It gives an opportunity to the debtor to make the payments to the creditors over a period of three to five years through a repayment plan. It has many plans like discharging debts. I think chapter 13 bankruptcy is simple way to remove your bad financial situation.


      • #79
        Originally posted by qwertysue View Post
        We're just about 2 years in.....

        **If you can go on a *budget* plan with the utilities, do so. You'll know exactly how much you will be billed each month

        **We started off using envelopes (fun money, gas, grocery, household) with cash in them to get used to our budget. Instead of using debit card for groceries, we would use cash out of the grocery envelope. I put a lot of things back that we didn't need once I started paying cash.

        **Any cash left over in our envelopes at the end of the pay cycle got put into savings. It got to be a fun challenge to see how much we could put into savings

        **We've since stopped using straight cash and have gone back to using debit card, but we've developed the habit of not doing *impulse buying*.

        **Our budget is pretty much planned out 6-9 months at a time, we're not surprised when our car registration comes up for renewal (or any other infrequent but important expenses occur). We have it set up so that the first paycheck of the month pays for bills AFTER the 15th and the second paycheck pays for bills AFTER the 1st of the month (we're always *ahead* so to speak, so bills get paid the day we get them).

        **We start cutting out the minor extras in August/September to save for the holidays. We have a heavy month of Birthdays and such in June, so in March we start setting aside for those. Jan, Feb, June, July are months we squirrel a bit away for US (even if it's for just an overnighter somewhere).

        **Our contact with our attorney at this point is limited. If he doesn't call back right away, we've learned it's because our concern doesn't have a major impact on our case. If it does have a major impact, we get calls back right away

        Perhaps my biggest suggestion is to budget and have bi-weekly *family business meetings* so that all adults concerned know exactly where the finances stand: how much have you saved, what surprises came up, are there any purchases that anyone wants to make, etc. Hubby and I set aside 15 minutes every two weeks to talk about all those issues.

        Other than that we've gotten into the mode of enjoying life again (especially the little things in life).
        the 'Squirreling' you speak of, how best to do that? my understanding during our means test was that every penny is accounted for. its something we are worried about in how to pull money out for emergencies? We are good at budgeting, we suck at forcasting!! the kids always have something going on, sickness, b-days, holiday, field trip, etc.


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