The key question is whether or not you were represented by an attorney. If you were represented and the attorney did not check the hardship box, then their signature and the filing is accepted upon the filing. You have 60 days from the time that it was filed or the discharge, whichever is later. ...

It depends on which chapter of bankruptcy you are filing. If you filed a "no-asset" Chapter 7, then it's not worth looking at the creditors.

If you filed a Chapter 13, it "could" be interesting to look, but please don't become a PACER-holic. You could easily run up...

There is no way to tell if or when a creditor will take action on bad debt. Many of the junk debt buyers (JDBs) and even some collection agencies have algorithms to determine whether it is worth pursuing collection. Since you were in a Chapter 13, much of that debt was likely already sold to companies...

Scottowl I would only suggest reviewing this with your attorney. One of the issues is that, unless you fall under one of the exceptions, you will be hit with ordinary income tax plus a 10% penalty.

If you are in a Chapter 13 and had back taxes included in the Chapter 13, the IRS cannot intercept any future tax refunds to pay for those included in the Chapter 13 plan. I received refunds even though I owed the IRS back taxes; however, my pre-filing taxes were included in my plan and were being paid....

"Stellar cultural bastions of fascination"... I have to use that some day.

If you won't drive your vehicle(s) after April 30th, then just park them. I would ask the attorney, but are you ready for the cars to go? Are they both with the same lender? Is that lender a local credit union (CU) or small bank?

The lender is not going to do anything at least until...

Barbisi Houston was my second choice, but lost solely due to the oppressive humidity. I think that only New Orleans is worse when it comes to humidity.

My Houston-stint love/hate. It seemed that everything that "I" wanted to do, was on the other side of town... which meant 25...

Most Trustees only wait 30 days for checks to be cashed and then close the books. That is very strange, indeed. I guess it slipped through the cracks!...

There's nothing interesting about purchases from 6 months ago. As I wrote, it really only depends on issues related to large cash advances and luxury purchases. Your attorney may be asking for 6 months either to get an idea, or to head off any potential issues.

I made purchases on a gas...

I have no clue as to what they lawyer is looking for. Some attorneys will pull a tri-merge credit report and others will also (on top of the reports) have you gather as many bills as possible. It also helps them to be prepared for any issues (large cash advances, luxury purchases, etc.).

Congratulations!

Making to payment 60 of 60 is something, isn't it? I was so happy for that last payment, but at the same time sad. No more forced budget so I hope my old ways do not come back....

Bankruptcy Rule #1: all liens survive bankruptcy (*)
Bankruptcy Rule #2: after you discharge your personal liability, see rule #1.

Although you discharged the "personal" responsibility to pay, the lien survived the bankruptcy. Did you list the judgement lien in your schedules?...

I used First American Title for my last closing. They are great.

The discharge and close is the abandonment of the property. Usually, the Trustee files a Final Report and Distribution (or a Report of No Distribution meaning there was nothing administered). That's all there is! Otherwise, choose a different title company that knows what they're doing.

...

LOL. Choices; a swamp, a desert, or Texas. I chose the swamp but Nevada and Texas were also on my short list. The latter being really close to being my choice; I was looking in the Houston area.

I wish the same thing regarding the 36 month plans!

I just got out of a five (5) year Chapter 13, and it was ugly at times. I had to... well... find alternate ways to cover the gaps. I sold a bunch of things that I didn't want to sell (just to make ends meet at some times). No one ever...

You are almost right on the money! (You would have won on The Price is Right!) Cram down is restricted for a "purchase money" loan within 910 days of filing. That term "purchase money" is interesting, because if you refinance the loan after buying the vehicle, it's no longer "purchase...

My stepson is now serving and I know firsthand what you all have sacrificed for country. I thank you for keeping our dream alive. I do think it should be easier for those that served, and that's what the Haven Act attempted to accomplish. They -- the powers that be -- tried to pass this Haven Act...

That's up to the Trustee. If your attorney can convince the Trustee to do that, it's perfect. In my Chapter 13, my Trustee paid ALL the secured debt first, so my cars were paid off in less than 20 months! They then started paying the IRS. It was perfect because it gave me some breathing room that...