Don't let anyone tell you it can't be done. Two months into a 60mo plan, I file d a motion to incur new debt by refinancingthe my house and paying off my 13 plan balance only (50% of total debt). Trustee recommended approval and judege went for it today. I'll refi my 2year arm, pay off the BK13, and start rebuilding my credit before end of year....I went pro se the whole way and judge and trustee were pretty impressed....
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WAY COOL! It's great to hear a success story.
Best wishes on your re-building.Bankruptcy History:
Chapter 7 filed - 10/12/2005 - Asset
Discharged - 02/16/2006
Case Closed - 11/08/2007
A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain ~ Mark Twain
All suggestions are based on personal experience and research and SHOULD NOT be construed as legal advice as I am NOT an attorney. Always consult with competent counsel in your area with regards to your particular situation. -
That's great for you, fiats3 - congrats!Originally posted by fiats3
You were incredibly fortunate to have a trustee that didn't force you to pay off your creditors at 100% with your early buy-out. What state did you file in?
Enjoy your new debt-free life and use the lessons learned to stay out of trouble in the future. Best of luck to you!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 goComment
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Ditto's to Lrprn's comments!!Originally posted by lrprn
All I can say is,...................... WOW!!!
Filed Ch 7 - 09/06
Discharged - 12/2006
Officially Declared No Asset - 03/2007
Closed - 04/2007
I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.
Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...Comment
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