justbroke
Super Moderator
Last Activity: Yesterday, 03:34 PM
Joined: 07-10-2008
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Congratulations on the discharge entry. You remind everyone of a contentious point when a Chapter 13 is discharged and a mortgage/HELOC/HEL was being paid through the plan. The numbers are almost always off and trying to get it all reconciled at the end can be frustration. I'm glad it worked out for... -
Welcome to BKForum.
Checkout the Pro Se (In Pro Per) Forum section. You can ask questions there.
Highly suggest that you obtain a guidebook such as Nolo's How to File for Chapter 7 Bankruptcy.
You may also want to check out UpSolve's website. I don't know what...Leave a comment:
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The debt was likely sold and the Junk Debt Buyer (JDB) is operating that they have a large portfolio of junk debt and are doing what they normally do; take things to court. While you are "collection" proof, you are not "judgement" proof. I do understand that everyone likes to use...Leave a comment:
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Welcome to BKForum. I have, but my income was half your wife's income at the time. Actually, I first filed Chapter 13 to save investment property but after about 24 months, converted to Chapter 7 as a non-consumer. I was paying over $7,000/month into the plan. I learned that it was not worth it trying...Leave a comment:
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Unless it has changed, they do hold a PMSI (purchase money security interest) in all goods purchased with the card. That means that all purchases are secured debt.
Wells Fargo Home Projects® Credit Card Agreement (PDF)
Source: https://retailservices.wellsfargo.com/...Leave a comment:
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