another car question.....

[TBLTZ]

If you are filing joint, you can claim expenses for two vehicles in the means test. Maybe you don't need both? We do, so it's just a suggestion.

I'm interested in the "hiding issue" too. Maybe it was an accidental response to another thread?

Yes im claming a car i only about 10 payments left and the new car we got.

We are letting our other car go and will not included in the means test.

[pookieny]

My neice's Dodge Neon sat in my driveway almost a year before they came and got it. And she wasn't hiding it, every time they called she gave them my number to call to set up a time for the repo guy came to get it.

[tinfoilhat]

I'm interested in the "hiding issue" too. Maybe it was an accidental response to another thread?

Must be a glitch in the system because it mysteriously appeared in one of my threads too. In fact a lot of off the wall crap pops up in my threads.

[pcn]

If you are filing joint, you can claim expenses for two vehicles in the means test. Maybe you don't need both? We do, so it's just a suggestion.

I'm interested in the "hiding issue" too. Maybe it was an accidental response to another thread?

[TBLTZ]

Never "hide" anything, your just asking for trouble.

I dunno if this was meant to me but we are not hiding anything.

[TBLTZ]

Is there only yourself filing, or are you married?

we are filing married. Wife has cc debt to....

[TBLTZ]

I don't understand.

If you just got a new car, why would you continue making payments on the car you're including in the BK? That's just money down the drain.

I know. Im going on a short vacation and don't want to deal with any issues. Plus I have to put 90 days between to be safe and don't want to deal with any calls on vacation.

Im going to do a sneak attack on the creditiors.....

[Frshstart09]

I filed on 5/7 and my payments on two vehicles were due on the 3rd and 7th respectively. I didn't make my May payments and the filing was so close to the missed payments that it wasn't reflected in my credit report. I hadn't masterminded this, it was by chance, but it assisted me greatly when I financed a newer used car.

[pcn]

Who's hiding stuff? Is this to me?

[optimistic1]

Never "hide" anything, your just asking for trouble.

[pcn]

Is there only yourself filing, or are you married?

[Looking4ward]

just wanted to let everyone know i bought another car today. So I will be letting my other car go. Im not sure yet if im doing a chap 7 or 13 but if i do a 13 i know i need to wait 91 days because of the car. I will make one more payment to the car im letting go for july. Im going to pay aug, sept. I will save that money and file sometime in oct. I hope this all works out.

I don't understand.

If you just got a new car, why would you continue making payments on the car you're including in the BK? That's just money down the drain.

[TBLTZ]

just wanted to let everyone know i bought another car today. So I will be letting my other car go. Im not sure yet if im doing a chap 7 or 13 but if i do a 13 i know i need to wait 91 days because of the car. I will make one more payment to the car im letting go for july. Im going to pay aug, sept. I will save that money and file sometime in oct. I hope this all works out.

Btw the car is 130 a month cheaper than i was paying before. I hope that will look good to the trustee.

[TBLTZ]

What kind of credit rating did you have pre and post bk? I wonder if the rates would have been better before filing. This is one of the most common recommendations I see for bk planning - "If you will need a car soon, get it before you file and you have bk on your credit".

Credit scores were high 600. we haven't filed bk yet. Probably will with in 90 days.

[TBLTZ]

Does this show up on anyone elses screen lol.
Pardon me for assuming, but when someone says "my attorney" I automatically think they hired one and are over the reviewing/consulting part and should no longer just ask other attorneys at random.

I consulted with one is what i mean....I still like to hear from the general public.