where to find samples of chap 13

[AngelinaCatHub]

Thanks, I have read NOLO back and forth I have BK for dummies and have asked questions on this site and have attained a atty and got a draft of the means test (not finished) by the atty. I guess it looks like I am pretty dumb and I am on this subject, but am seeking help on specific issues and cannot find the answers. You bring up the mortage subject can or do you list the diff in what they allow in line 21? What after figuring your means test and not figuring SS you come up with a negative figure is that deducted in the over figure after figuring back in on payments. I am $612.00 negative,times 60 =36,720.00 vs SS added $3246.00 times 60=$190,760.00. Now do you deduct 36,730.00 from 190.760.00? Reference to the type of questions I have asked about, I have looked on this site and any others I did not find the answers I felt answered my questions. I have asked about Pacer I signed up and got my ID and password but cannot figure how to just look at any docket cases (not mine) as I have not file yet just want to see actual cases. And one more last thing (for now) I am drawing mil retirement, VA disability 100% and SS and my wife is drawing SS and a annunity. We read and was told all this is protected from any suits or garnishments. Any ideas on that. Thanks very much.

Max, here is a simple way to get a working model. Go to PACER, pick your local district for local procedures, type in any last name such as Doe, then you will get pages of all people with that name as well as the docket number and the type of bk. The first two digits of your docket number is the year filed so pick this or last year and 13. Click and go there. Don't go to the History but the docket report. It is the History but a little more descriptive. Locate that persons paperwork and download. See how they did it. Remember .08 cents a page.

Try a couple in comparison. The "gold standard" however, is to have your lawyer go through your preliminary paperwork with you. It is his job to do that. We filled out our C7 paper three times, under the lawyer's direction. 'Hub

[maxwell18]

Reply

Thanks, I have read NOLO back and forth I have BK for dummies and have asked questions on this site and have attained a atty and got a draft of the means test (not finished) by the atty. I guess it looks like I am pretty dumb and I am on this subject, but am seeking help on specific issues and cannot find the answers. You bring up the mortage subject can or do you list the diff in what they allow in line 21? What after figuring your means test and not figuring SS you come up with a negative figure is that deducted in the over figure after figuring back in on payments. I am $612.00 negative,times 60 =36,720.00 vs SS added $3246.00 times 60=$190,760.00. Now do you deduct 36,730.00 from 190.760.00? Reference to the type of questions I have asked about, I have looked on this site and any others I did not find the answers I felt answered my questions. I have asked about Pacer I signed up and got my ID and password but cannot figure how to just look at any docket cases (not mine) as I have not file yet just want to see actual cases. And one more last thing (for now) I am drawing mil retirement, VA disability 100% and SS and my wife is drawing SS and a annunity. We read and was told all this is protected from any suits or garnishments. Any ideas on that. Thanks very much.

[justbroke]

If you are not getting what you need from the NoLo Chapter 13 guide, then you have issues. The NoLo guide is pretty clear about where to put things on forms, but you also need to read and understand the forms themselves.

First, Chapter 4 and Chapter 5 deal with your Current Monthly Income calculation, whether you're over/under the median, and how to "Propose a Plan the
Judge Will Approve?"

Also, if you continue to read the entire guide, you'll find that there is also something called your Chapter 13 Plan of Reorganization (Chapter 8: Drafting Your Plan). This is something that you also need to complete.

I think you're stumbling a bit on the "easy" part of the Chapter 13 process. I'm concerned that you haven't even got to the hard part, which is Drafting a Chapter 13 Plan of Reorganization. I really hope that you read the entire book cover to cover and perform all the calculations and exercises in the NoLo Chapter 13 book.

If you have very specific questions, feel free to ask. However, your current questions like where "you list your actual mortage payment" because it goes in several places. If you haven't even entered it on your Schedule J and Form B22C, then it's no point talking about where it would go on your Chapter 13 Plan (or Model Plan, if required by your District).

For example, you ask about where to put healthcare costs, yet the Chapter 13 NoLo guide (at the bottom of page 35) reads "Line 19B. Enter the amount you are allowed to claim for health expenses"...

As indicated above, you can also look at other Chapter 13 filings in your District, but I think you have some basic issues. Looking at other Chapter 13 filings may actually mean that you miss things. I'm a pro se advocate, but Chapter 13s are intricate and the Chapter 13 Plan is a work of art (unless your District uses a Model Plan). I hope that you can get a nice clean first cut of your petition by using the NoLo Guide first... then comparing afterwards to see your problem areas.

[BobMango]

The best way is to check the docket for the bankruptcy court in your district, then look up those cases on PACER. That way you'll see what's current and how it's being done without blindly searching PACER and racking up a big bill.

[maxwell18]

Where can I find samples of chap 13 filed out so I can see how it is done. Can you go on Pacer and lookup accounts? I have NOLO chap 13 and i is great but like to see some items on the form. Like where you list your actual mortage payment that is a problem for me trying to get my actual information on the in the correct places. Ect health care personal items and so forth. I know about the IRS allowance.. Thanks