I've seen a few people talking about doing a 13 after a 7 to strip the 2nd lien - how soon after you're discharged from a 7 can that be done?
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Filed C7: 03/09/09
341: 04/30/09
Discharged 6/30/09!!!
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If you have already done the ch7, could you try to negotiate with the holder of the 2nd, since you are now free of it?1/15/10 Filed ch7 2/18/10 314 meeting
2/22/10 Report of No Distribution
4/20/10 Discharged 5/20/10 Closed! -
This will not work. The problem is, you cannot receive a discharge if the Chapter 13 is within 4 years of filing the Chapter 7. The only reason people do the so-called Chapter 20, is to shed all their unsecured debt in a quick Chapter 7... then file a Chapter 13 for fix arrears and/or IRS tax issues.Originally posted by pcn View Post
Stripping a 2nd in a Chapter 13 that was filed immediately after a Chapter 7 (or less than 4 years after), is useless.Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
Status: (Auto) Discharged and Closed! 5/10
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