Hi, everyone. One week ago I met with my attorney and filed same day. I am married and filing individually. However, we are in a community property state so we are including my husband's CC bills in the filing. My attorney advises me I will be in a 5-yr 100% repayment plan. I had hoped/expected to be eligible for a Ch7 due to my husband being out of work for 5 months. However, even though the 6-month lookback period qualified us as being below-median, since he is now working again we are no longer considered Ch7 eligible. I was disappointed by this, but I am happy he is working again and making decent money. The amount of our projected monthly payment is less than our minimum payments on all accounts, so in any case it is a win.
My 341 meeting will take place in mid-January. After reading a LOT here on this forum as well as other online sources, I feel well-prepared for the 341 meeting. The only thing I'm a tiny bit worried about is getting there on time and finding decent parking. I scoped it all out online, I found several nearby parking facilities, and I will budget plenty of time to get there and get parked.
We do all our banking and homeowners+auto insurance with USAA. I was nervous about them possibly freezing our accounts or dropping us as customers. So far, though, all that has happened is my USAA Visa card has disappeared from my online profile. No money frozen, not dropped as insurance clients.
I am actually at this moment listening (sort of) to the 2nd BK course. First course was completed at the attorney's office on the day of filing.
My lawyer has wonderful reviews online and has been very easy to work with so far. He's friendly, very responsive to emails and phone calls, and very reassuring.
So far, I believe I have a good handle on what to expect as I move forward in the process.
Here is my only question: I see many people on this forum say their monthly payment is being taken directly from their wages through garnishment. My lawyer did not say anything about this. Instead, he said to bring a money order or certified check in the proper amount to the 341 meeting, and to plan to make the monthly payment every month by electronic debit or check. Is the wage garnishment usually only done if a payment is missed? Or is it mostly just due to trustee preference?
My 341 meeting will take place in mid-January. After reading a LOT here on this forum as well as other online sources, I feel well-prepared for the 341 meeting. The only thing I'm a tiny bit worried about is getting there on time and finding decent parking. I scoped it all out online, I found several nearby parking facilities, and I will budget plenty of time to get there and get parked.
We do all our banking and homeowners+auto insurance with USAA. I was nervous about them possibly freezing our accounts or dropping us as customers. So far, though, all that has happened is my USAA Visa card has disappeared from my online profile. No money frozen, not dropped as insurance clients.
I am actually at this moment listening (sort of) to the 2nd BK course. First course was completed at the attorney's office on the day of filing.
My lawyer has wonderful reviews online and has been very easy to work with so far. He's friendly, very responsive to emails and phone calls, and very reassuring.
So far, I believe I have a good handle on what to expect as I move forward in the process.
Here is my only question: I see many people on this forum say their monthly payment is being taken directly from their wages through garnishment. My lawyer did not say anything about this. Instead, he said to bring a money order or certified check in the proper amount to the 341 meeting, and to plan to make the monthly payment every month by electronic debit or check. Is the wage garnishment usually only done if a payment is missed? Or is it mostly just due to trustee preference?
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