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justbroke
justbroke
Super Moderator
Last Activity: 08-04-2018, 01:55 AM
Joined: 07-10-2008
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  • justbroke
    replied to Multiple Dates in Ch 13 process
    Welcome to the forum. A Chapter 13 is a marathon. It looks simple, from the surface, but has many nooks and crannys that will confound the casual observer.

    This is the interesting part of objections to claims; either the Trustee or the debtor can object to a claim. In Chapter 13s, it's...
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  • Barbisi! You made $3,000K less? That's a lot of money! . Of course I'm just saying that tongue in cheek because 3,000K is $3,000,000.00.

    The Trustee can't raise your payment if you're making less. Years ago, there was a survey of Chapter 13 Trustees asking a bunch of questions to...
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  • justbroke
    replied to Can’t get approved
    Some secured cards are difficult, but I would wait to make sure that my credit report was as clean as possible. All discharged accounts should be IIB (included in bankruptcy) with a $0 balance and no history reporting. I would also make sure that the case is closed too (although after 7 months the...
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  • I agree with LadyInTheRed and ch7downhill. There is something juicy in which the "Bankruptcy Estate" has an interest. The representative of that estate is the Chapter 7 (Panel) Trustee. It would be interesting to know just what the Trustee finds so interesting but ch7downhill may be right...
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  • For Pro Se debtors, you must appear at the reaffirmation hearing. Most judges, the smart judges at least, will not allow you to reaffirm anything and will deny the reaffirmation. Those judges will also put in place an order which allows you to "ride-through" on the vehicle(s) based on the...
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  • justbroke
    replied to 722 redemption for a vehicle
    It shouldn't be an issue. A 722 Redemption requires a motion to redeem and proof of where the money will come from. The money, to redeem property, can be a new loan. While I used a 722 Redemption loan from "722 Redemption" (a US Bank company), I was able to redeem one of the vehicles for...
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  • I just re-read what you wrote in your original post. You wrote that the tax debt is from "timely filed returns over 15 years ago." Since you timely filed the State's income tax forms, this was more than 3 years ago, this was more than 2 years since filed, this was more than 240 days from...
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  • I concur 100% with what bcohen wrote. It's a tactic, it's wrong, and it's illegal. Now, trying to find a consumer attorney that would take the case and/or create a class-action against the creditor is entirely different story. If the lawyer with whom you spoke says that it's illegal, ask them to take...
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  • While a Chapter 13 will not toll the statute of limitation (SOL), it extends it. Creditors gets a limited amount of time after the Chapter 13 is dismissed/discharged (30 days). So the SOL could expire for a co-debtor while you're in a Chapter 13 or the creditor could seek relief from the automatic...
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  • Just dispute the entry with the credit bureau online. If you don't get any traction, I'd try a written letter to the credit bureaus and another to Comenity. (Did you have other open Comenity accounts at the time of filing? Was it an oversight where they just zeroed all Comenity accounts?). I didn't...
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