$2200 / mo payment hurts!

[LadyInTheRed]

I thought securing credit during a 13 was a huge no no and grounds for dismissal unless u got permission fm trustee! Maybe its just here or i am completely wrong!!!

It varies by district. In some districts, a debtor is allowed to incur a certain amount of debt without approval. In other districts, a debtor must get appproval before incurring any debt at all.

Simply applying for and getting a credit card isn't incurring debt as long as you don't use it.

[dmc-2008]

I thought securing credit during a 13 was a huge no no and grounds for dismissal unless u got permission fm trustee! Maybe its just here or i am completely wrong!!!

[slim]

.

[patieboy38]

I started too. Plan to keep them at a zero balance every month but I am starting to use them for the rewards.

[patieboy38]

No I didn't. I think only car and personal loans need to be told(?)

[patieboy38]

very true!

[justbroke]

At the end of my Chapter 13, my payments were over $7,000/month. It included secured and priority debt. Comparing payments, however, is no way to gauge a Chapter 13. Each case has unique circumstances and may be in different Districts with different judges and certainly different Trustees. You can't really compare one to another and say... "oh my, that payment is high". Relatively speaking, my payment was not high!

[dmc-2008]

Do you use them??

[dmc-2008]

Did you get permission from trustee to get the cards?

[patieboy38]

Yes , I got one from Cap One pretty much a year into the 13, for a small amount (it's up to 700 now). That's after I got a secured card from them right off the bat. Then I tried Navy FCU every year for the last three years and they (finally) recently just gave me 2. 1K each. So things are looking up. Those navy cc's bumped my scores up to 650. They did deny me a lot before I finally got it.

[dmc-2008]

You got cc while in a bk?

[patieboy38]

The first 2 1/2 years were arrearage so went towards cars / mort but now it's all unsec. But all along post petition mort payments and cars were outside the plan.
Good news is I finally got a cc after 3 years (2 actually) - it got my score up to over 650

[patieboy38]

I'm not the only one - that's for sure. Mortgage and cars outside the plan for me too. Income too high. 45 months in tho! 15 to go...

[toojerm]

2251 a month. Cars, student loan, and mortgage outside the plan. It's been hell, cashed out everything to stay afloat. I tried to refi the house but the court/trustee did not respond before the rate lock expired. I moved in 2011 and they wouldn't let me sell. Payments are done in May, then I can finally sell my house in WA and move one.

[13for60]

$2475 including two cars, but mortgage is outside the plan. I feel you.

--13for60