Pretty cool that CarMax was able to do this for you. Since the difference was only $420, that's a pretty good deal.

Just wondering, did you get a new car at CarMax or was this just a single transaction to sell the vehicle to them?

Being already discharged and closed makes a...

I had written a bunch of stuff which was mostly along the same line of questions as Des. It's a complex case full with a lot of debtor-specific facts.

I'd go one step further. An offer of employment is not a job. I would say that one should probably not start a new job between filing and the 341 Meeting of Creditors. That is if the income is a factor for the Chapter 7.

Accepting and starting a new job right after filing, and before the...

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Your payments should be $75,000/60 or $50,000/60 (if you're in a 60 month plan). So that's about $833 to $1,166/month for a 100% plan. That does not include the Trustee's fee (10%), attorney in-plan fees, monitoring fees, or any secured debt being paid through the plan....

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First let's clarify the job of the trustees in a bankruptcy case. The Chapter 7 panel Trustee is an ordinary attorney (or CPA) that is appointed to oversee the case. They, the panel trustee, actually works for and is appointed for office by the United States Trustee...

I think that's flipping the table on them. However neither he nor his family would be responsible. The employer bears the responsibility for an FDCPA or unfair and deceptive practices claim. These aggressive collection companies know not to cross a certain line. Despite that knowledge, they'll walk...

I'm glad to read that your attorney is trying to handle this and get a good result for your family. It's tough, but the UST is much different that your Chapter 7 Trustee. The Chapter 7 Trustee is technically hired by the UST to handle these Chapter 7 cases. The UST provides the oversight of the bankruptcy...

If this debt -- the vehicle -- is discharged in the bankruptcy, then the creditor can not seek to collect any money from you. You are no longer legally responsible to pay anything related to the contract. The contract is what would have given the creditor the right to charge you, but you're no longer...

The United States Trustee (UST) is usually not too interested in dismissing this type of case. Even though I write that, the UST will be interested in cases where the tax returns may show that your household could have supported a Chapter 13 had you not lost your job. That gets you on the radar, but...

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I'm not a collections expert, but I would always use care when discussing anything with a judgment creditor. In fact, I would not speak with my judgment creditor at all unless required through an interrogatory.

I would say that the creditor would likely...

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As always, I have nothing to add to the excellent suggestions provided by des.

I have nothing to add to what flashoflight wrote, especially since flash is a California resident.

You will be banned from credit products from NFCU forever (unless you pay them back every penny). They will close your checking accounts if they are linked to the NAVCHEK (now called Checking Line of Credit - CLOC). Other than that, your share account should remain intact.

However, if you...

lol! I'll assume (and have visualized) that Mount Misery is a pile of cow excrement....

yourfired sometimes a summary judgment could be entered against you, but the summary judgment was improperly served. There are different ways to do service of a lawsuit especially if the person can't be located. Those other ways could be posting or they could actually list it in the newspaper for some...

I removed it from the other location to avoid duplicate or missing responses.

If this is your 341 Meeting, then your discharge will come sometime after 60 days following this meeting. That is just the way it works.

It's normal for the Chapter 7 Trustee to ask for additional...

yourfired have you actually filed bankruptcy? If not, a Writ of Execution, issued to the Sheriff after a Judgment has been entered against you, is not a violation. The question is, was there a lawsuit? Were you notified? Did you avoid service? How was service achieved? Was it a default judgment? When...

Yes. Government student loans automatically go into forbearance. When the bankruptcy concludes, is discharged, the student loan status should go back to whatever status in which it was prior to filing (REPAYE, IBR, DEFERRED, IN-SCHOOL). That status will be subject to current conditions when you come...

As flashoflight and I mentioned, the priority of an HOA lien will vary by State. Even in Florida, HOAs have a statutory lien, but priority is not asserted unless and until recorded. As suggested, there are games the HOA can play if it wants to not pay the superior liens. Equity will be the biggest issue...

Yes. A bankruptcy stops unsecured creditors from collecting on the debt.