Need to file Pro Se in Virginia

[souprebel]

YAY!! Congrats on filing, Soup, from your favorite asshat! That's SOUPER! LOL

Buzz's Pacer advice is PERFECT for keeping up with any changes with your Pacer account while on a budget. I think I owed under $15 for the quarter we filed. I haven't owed anything since - but I only use it occasionally these days. How I kept up with the Date of last filing is by putting a sticky note by the computer with the date jotted on it - otherwise I would sit there and wonder if I remembered the date correctly Sometimer's Disease is awful! Sometimes I remember and sometimes I don't!

Keep us posted on your filing and for sure let us know how your 341 goes!!!

Thank you!!!! It was a big relief...now to stress until the 341. Nervous about it and I can't wait for April to get here when this will all be over.

I will post updates

[souprebel]

For Pacer. If it's 9.99 or less you wont be billed in a calender year quarter.

Here's howto get charged the minimum.

after you log in,
Click the query tab at the top.
Search your case number or name.
Once you get the pacer BK id number for your case, write that down so you dont have to search all the time.

Once you find your case, you'll click the run query button at the bottom of the search.
2 thing to look at here.

1st = Date of last filing:
Remember this date.

For now, Click on the Docket report, your case number should be filled in, just click run report.
**You just got charged for running this report**
Now look at the papers there were filed, If you click on any thing else you'll be charged for that. Scroll to the bottom and see what it is. If you click to download that or any of the items here, you'll be billed for those.

Now that you have your update.
next time you log in you'll look at the Date of last filing:
If this hasn't changed, there isn't anything new to see. Log out. You haven't been billed.

Don't go crazy looking at stuff in Pacer.. You can rack up an impressive bill..
Everytime you download a document you'll be billed, even if you click the link 2 times. You'll be billed 2 times..

Congrats on the filing..

As for the collection letter.. I wouldn't do a thing. They'll get the Automatic stay papers soon.

Thank you for the steps! It worked perfectly.
I have to be careful as a big bill is the last thing I need right now.

Thank you!

[ValleYum]

Update on me.

I filed BK 7 last week with a lawyer. A HUGE weight was lifted. Meeting of Creditors is in February and discharge will be in April.
I have joined Pacer and which area should I pay the most attention to? They have several sections and since it cost to view, which can add up quick, which section should I be checking?

Also, I get about 1-2 Collection letters a day. The two I received yesterday, I put my case number on and mailed back, but now I am questioning myself. Should I write my case number on them and mail them back or just wait until after I am discharged? Both were included in my BK. In fact, I received another letter today, for one of the same accounts from yesterday.

Thank you!!!

YAY!! Congrats on filing, Soup, from your favorite asshat! That's SOUPER! LOL

Buzz's Pacer advice is PERFECT for keeping up with any changes with your Pacer account while on a budget. I think I owed under $15 for the quarter we filed. I haven't owed anything since - but I only use it occasionally these days. How I kept up with the Date of last filing is by putting a sticky note by the computer with the date jotted on it - otherwise I would sit there and wonder if I remembered the date correctly Sometimer's Disease is awful! Sometimes I remember and sometimes I don't!

Keep us posted on your filing and for sure let us know how your 341 goes!!!

[buzzstpoint]

For Pacer. If it's 9.99 or less you wont be billed in a calender year quarter.

Here's howto get charged the minimum.

after you log in,
Click the query tab at the top.
Search your case number or name.
Once you get the pacer BK id number for your case, write that down so you dont have to search all the time.

Once you find your case, you'll click the run query button at the bottom of the search.
2 thing to look at here.

1st = Date of last filing:
Remember this date.

For now, Click on the Docket report, your case number should be filled in, just click run report.
**You just got charged for running this report**
Now look at the papers there were filed, If you click on any thing else you'll be charged for that. Scroll to the bottom and see what it is. If you click to download that or any of the items here, you'll be billed for those.

Now that you have your update.
next time you log in you'll look at the Date of last filing:
If this hasn't changed, there isn't anything new to see. Log out. You haven't been billed.

Don't go crazy looking at stuff in Pacer.. You can rack up an impressive bill..
Everytime you download a document you'll be billed, even if you click the link 2 times. You'll be billed 2 times..

Congrats on the filing..

As for the collection letter.. I wouldn't do a thing. They'll get the Automatic stay papers soon.

[souprebel]

Update on me.

I filed BK 7 last week with a lawyer. A HUGE weight was lifted. Meeting of Creditors is in February and discharge will be in April.
I have joined Pacer and which area should I pay the most attention to? They have several sections and since it cost to view, which can add up quick, which section should I be checking?

Also, I get about 1-2 Collection letters a day. The two I received yesterday, I put my case number on and mailed back, but now I am questioning myself. Should I write my case number on them and mail them back or just wait until after I am discharged? Both were included in my BK. In fact, I received another letter today, for one of the same accounts from yesterday.

Thank you!!!

[souprebel]

A little off topic.. Years ago I seen a truck in a local credit unions lot that said for sale on it.. I stopped and made an appointment to look at the truck..
Small little toyota 4 runner, forget the year, they wanted about 10k for the truck.. I told him no way, the truck plus condition was only worth 3k at best. He told me it didn't matter. It was a repo and thats what they had to get for it. It sat there from spring till almost the end of the year.

So sometimes what they want to get for the vehicle vs hoping you may pay for it could be a factor.

It's so stressful having to file, then the fact my car is paid off so I figure I will ATLEAST have that and be able to continue to apply for jobs by having a car. Only to have the credit union holding it. Such a mess.

[buzzstpoint]

A little off topic.. Years ago I seen a truck in a local credit unions lot that said for sale on it.. I stopped and made an appointment to look at the truck..
Small little toyota 4 runner, forget the year, they wanted about 10k for the truck.. I told him no way, the truck plus condition was only worth 3k at best. He told me it didn't matter. It was a repo and thats what they had to get for it. It sat there from spring till almost the end of the year.

So sometimes what they want to get for the vehicle vs hoping you may pay for it could be a factor.

[souprebel]

It's true that they can't force you to pay them. But by holding on to the title--and since they have paperwork making it collateral for the loan, it's their legal right to do so--they have at least some hope that you'll eventually pay them. They could decide to repo if you haven't made enough of an effort (in their eyes) to pay them or they could juust wait for you to try and sell it or trade it in.

But only the CU can tell you what they will do. We can only offer our thoughts as to what they CAN do (that's all the atty can do too).

I agree totally. I appreciate everyone's thoughts I can't help but being hopeful that they will just release the title after the BK is filed.

[doni49]

It still might be worth sitting down with someone else just to get their opinion as to the car's value.

[doni49]

Seems odd to hold onto the title for a loan that was discharged and they can no longer collect on. But, I understand.

I was too. I'm in Richmond.

It's true that they can't force you to pay them. But by holding on to the title--and since they have paperwork making it collateral for the loan, it's their legal right to do so--they have at least some hope that you'll eventually pay them. They could decide to repo if you haven't made enough of an effort (in their eyes) to pay them or they could juust wait for you to try and sell it or trade it in.

But only the CU can tell you what they will do. We can only offer our thoughts as to what they CAN do (that's all the atty can do too).

[souprebel]

Hmm...that's weird because tehre is NO way that car would fetch anywhere that much if it is sold....would you have time to go to another atty for a free consult? I'm wondering if that chap is wrong. Could be right of course, but it sounds SO out of the ordinary...

It's possible it could, it would take a little while to sell, but its possible.

I've been to several and already paid them to start. I liked them the most.

[IamOld]

Seems odd to hold onto the title for a loan that was discharged and they can no longer collect on. But, I understand.

I was too. I'm in Richmond.

Hmm...that's weird because tehre is NO way that car would fetch anywhere that much if it is sold....would you have time to go to another atty for a free consult? I'm wondering if that chap is wrong. Could be right of course, but it sounds SO out of the ordinary...

[souprebel]

HellO! ONce you're loan is discharged, no they can't come after you for the loan - BUT they can hold onto the title - at the very least until you pay them off anyway...

Regarding car value - I'm VERY surprised that they're looking at retail...where in VA are you?? (if you don't mind me asking)

Seems odd to hold onto the title for a loan that was discharged and they can no longer collect on. But, I understand.

I was too. I'm in Richmond.

[IamOld]

HellO! ONce you're loan is discharged, no they can't come after you for the loan - BUT they can hold onto the title - at the very least until you pay them off anyway...

Regarding car value - I'm VERY surprised that they're looking at retail...where in VA are you?? (if you don't mind me asking)

Hi ! Thank you for the replies, help and compassion.

I went to a new lawyer on Thursday. The cost is $1435. I was only able to pay the Lawyer $120 to retain. I still have to pay the balance in full before this will be filed. Not sure where/how/when I will have all of this money as I am a single female that lives alone, there isn't another income to help me. The lawyer advised that the credit union holding the title to my paid off car is a big issue. They called the woman that handles things for the credit union while I was there and they did not give my name. She told them that they never repo a car that has been cross collaterized. When I ran the Kelly on my car I came up with $6500, but that was to sell person to person, at the Lawyers office, they ran it and came up with $10,500 I think and they said they have to use the Retail Value. I want to be done with this and move on and start over. Sorry to ask a dumb question, but when my defaulted loan is included in my BK. They can no longer collect or garnish or harrass. Do you think the credit union after they can't collect on it, they will let that title go? I am in no hurry to sell the car, I need to be car payment free for a long time to get back on my feet. I never thought I was going to be laid off. Today I called the title department at the credit union. The woman told me "technically the car is not attached to the unsecured loan but because you owe on the unsecured loan we have a right to hold the title until the obligations are fulfilled with the credit union".

Thank you everyone for advice as I certainly need all input

[souprebel]

Hi ! Thank you for the replies, help and compassion.

I went to a new lawyer on Thursday. The cost is $1435. I was only able to pay the Lawyer $120 to retain. I still have to pay the balance in full before this will be filed. Not sure where/how/when I will have all of this money as I am a single female that lives alone, there isn't another income to help me. The lawyer advised that the credit union holding the title to my paid off car is a big issue. They called the woman that handles things for the credit union while I was there and they did not give my name. She told them that they never repo a car that has been cross collaterized. When I ran the Kelly on my car I came up with $6500, but that was to sell person to person, at the Lawyers office, they ran it and came up with $10,500 I think and they said they have to use the Retail Value. I want to be done with this and move on and start over. Sorry to ask a dumb question, but when my defaulted loan is included in my BK. They can no longer collect or garnish or harrass. Do you think the credit union after they can't collect on it, they will let that title go? I am in no hurry to sell the car, I need to be car payment free for a long time to get back on my feet. I never thought I was going to be laid off. Today I called the title department at the credit union. The woman told me "technically the car is not attached to the unsecured loan but because you owe on the unsecured loan we have a right to hold the title until the obligations are fulfilled with the credit union".

Thank you everyone for advice as I certainly need all input