Announcement

Collapse
No announcement yet.

User Profile

Collapse

Profile Sidebar

Collapse
justbroke
justbroke
Super Moderator
Last Activity: 04-17-2019, 04:05 PM
Joined: 07-10-2008
  • Filter
  • Time
  • Show
  • Source
Clear All
new posts

  • justbroke
    replied to How long before I’m sued?
    There's no way to tell as each creditor looks at each individual to determine the chances of successfully collecting. While there are some creditors, such as Best Buy's Bass and Associates or Discover Financial Services, it usually takes at least 6 months from the last payment to be sued. At least...
    See more | Go to post

    Leave a comment:


  • I understand completely. Mine was slightly worse. The company never processed my wage deduction order and I thought they were paying, when they were not. Caused a few months of grief between me and the Trustee. They finally took notice when the plan change came (just before confirmation) as I initiatied...
    See more | Go to post

    Leave a comment:


  • justbroke
    replied to House balloon payment in Ch. 13?
    Find another broker or ask your broker to still push your file. Your broker should be able to shop this around, and it's not as though that you weren't paying. Banks can provide explanations and still allow you to refi. I thought the FHA Refinance program was supposedly really fast.
    See more | Go to post

    Leave a comment:


  • justbroke
    replied to Authorized user?
    Being added as an authorized user is one of the best ways to build credit. There is, however, one thing to watch out. If the cardholder defaults, pays late, or has a high utilization rate, it can affect you more than not being an authorized user. If that card account was established more than 5 years...
    See more | Go to post

    Leave a comment:


  • No, you're not nuts. For Chapter 7s, the 341 Meeting is the last thing that you need to do (for 95% or more of cases). After the 341 Meeting, it's smooth sailing to the 60 days. If you have a decent attorney, you'll know what objections or questions to expect and that good attorney should also have...
    See more | Go to post

    Leave a comment:


  • I am so glad I wasn't drinking my water at the time I read that. Wow!...
    See more | Go to post

    Leave a comment:


  • justbroke
    replied to Mortgage Not On Credit Report
    They are likely not reporting, because you are in an "open" bankruptcy. They will likely start, on their own, after a billing cycle or two after close. However, you may need to poke them. The main reason that banks/creditors avoid reporting anything during the pendancy of the bankruptcy...
    See more | Go to post

    Leave a comment:


  • I don't know if Toyota is one of the companies that require reaffirmation. The only one that I know, for sure, is Ford Motor Credit (FMC). You will need to ask your attorney about TFS (Toyota Financial Services) and whether they are like FMC.

    Reaffirming is almost always not a good idea,...
    See more | Go to post

    Leave a comment:


  • justbroke
    replied to What happens if I Default?
    With just 14 months left in a 60 month plan, that's a big thing to do. As Aeneas wrote, you will owe the $25K plus accrued interest for 46 months (nearly 4 years), plus all the legal fees that the credit cards can collect. (The student loans went into deferment so, hopefully, much of that debt is student...
    See more | Go to post
    Last edited by justbroke; 04-05-2019, 09:31 PM.

    Leave a comment:


  • The myth is that a Chapter 13 is punitive, but it's not. However, if you're trying to save property, have secured debt, attorney fees, and other major budgetary issues, it can be oppressive. Chapter 13s work when it is cookie-cutter and simple. When it gets more complex, like mine with some interesting...
    See more | Go to post

    Leave a comment:


  • justbroke
    replied to Polling: Timeline of Case End
    That's what I was hinting at... timing a sale. It's too difficult to predict.
    See more | Go to post

    Leave a comment:


  • justbroke
    replied to Polling: Timeline of Case End
    Unless the people answering are in Missouri and in your District, the answers won't give you any clue as to how long it will take. The information that you have gathered already provide you a sense of what happens (the procedure and the process), but you're not going to find the timeline.
    ...
    See more | Go to post

    Leave a comment:


  • justbroke
    replied to Selling House in Chapter 13
    Everything is bigger in Texas. That's probably why it's easier to find lenders (and/or brokers) that understand how to do FHA loans in an active Chapter 13!
    See more | Go to post

    Leave a comment:


  • justbroke
    replied to 341 Completed
    First let me say that it's not a good measure to look at another debtor's case to try to figure out what your case may look like. About 95% of cases sail right through the process. Those cases are (typically) "No Asset" and have quick 341 Meetings. The other cases likely have assets, preferences,...
    See more | Go to post

    Leave a comment:


  • How would they find out? They agree to the confirmed plan at the time of confirmation. They should object at confirmation if they don't like the amount. Trust me, on good months I had about $750 "extra" at the end of the month. However, life happens and I would find myself shelling out...
    See more | Go to post

    Leave a comment:


  • Your fears aren't irrational. Your fears are that you are not in control of your destiny, and that your fate (may) rest in the hands of a person, known as the Trustee. You fear that people will look at you different or that you'll be judged.

    There is 100% no judgement here on BKForum. We've...
    See more | Go to post

    Leave a comment:


  • justbroke
    replied to 341 Completed
    Did you file Pro Se? If so, then you should subscribe to PACER at https://pacer.psc.uscourts.gov/pscof/regWizard.jsf

    If you didn't file Pro Se, then don't worry about PACER. PACER is the "consumer" side of the Case Managment/Electronic Case FIle (CM-ECF) which is used by the...
    See more | Go to post

    Leave a comment:


  • justbroke
    replied to Can IRA accounts be taken in a judgment?
    Trying to convey your current state of mind and financial status is hard to do in a screen name on a Website. I think "just broke" explains it when people ask me why I filed bankruptcy... "I'm just (plain) broke."

    Life happens and challenges us in different ways. ...
    See more | Go to post

    Leave a comment:


  • I would not complain. What may be happening is that your attorney is using the IRS standards for your expenses. Even though you don't use, let's say, $575 a month in food, you get that allowance. You also get other things like $289/month for car maintenance, even though you may have a brand new car...
    See more | Go to post

    Leave a comment:


  • Flat tire on the way to the 341 Meeting? I have one better. I only had $20 in my pocket, my car needed new tires, and I had to take a cab within 7 miles of my house, then make a collect call from a payphone for someone to come and get me.

    But, I felt like $1,000,000 and that I just won...
    See more | Go to post

    Leave a comment:

No activity results to display
Show More
Working...
X