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justbroke
justbroke
Super Moderator
Last Activity: 02-06-2025, 08:15 AM
Joined: 07-10-2008
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  • I would certainly list it with a note letting your attorney know the specific need and expense. They can decide how best to cover this in your bankruptcy petition.
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  • I believe your household size will be three for purposes of the means test. According to the UST's Means Testing guidelines, the current limit for North Carolina for a family of three (3) is $92,035 per year. You're pretty close. Just want to make sure there isn't any other income that is not accounted...
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  • Welcome to BKForum.

    From my understanding, California has two bankruptcy exemption schemes; one is known as System 1 and the other as, yup, System 2. How you protect equity in the home will depend on which system you choose to use. One system gives better protections for a homestead (home)
    ...
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  • justbroke
    replied to Question about going from Ch13 to Ch7
    Welcome to BKForum.

    Yes, gambling addiction is tough. You have to self-exclude and resists. I know that not everyone can do that. I've spend a lot of money in casinos and I know the draw personally.

    The question you're going to be asked, if you allow the Chapter 13 to be dismissed...
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  • justbroke
    replied to Order of Discharge and Closing Case
    Amazing. Congratulations!

    Go look at shipo's building thread... here... https://www.bkforum.com/forum/after-...uilding-credit...
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  • justbroke
    replied to Excess payment
    There's no one that can tell you except for the Chapter 13 Trustee serving in your case. Usually they issue the overpayment after they have verified that all the checks cleared by the creditors. I can't tell you how long that will take. I was in disagreement with my Trustee when they were holding over...
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  • justbroke
    replied to Car title after discharge
    I would normally give them 30 days for receipt of the discharge order, and another 30 days to find it and mail it. I would then, after 60 days, write them and tell them that the discharge was entered and where is the title.

    It happened to me. The creditor finally said they lost the title....
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  • justbroke
    replied to Imputed income during chapter 13
    So long as it's not significant. By significant, most of us here just look at whether the income increased by more than 10%. So, for your Box 1 on the W-2, if that shows 10% more than the prior year, the Chapter 13 Trustee may be interested in reviewing your Schedule I/J to have it recalculated. I don't...
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  • justbroke
    replied to Imputed income during chapter 13
    I don't think it will be an issue at all. Unless someone is looking closely, you don't even notice the imputed income for health insurance on a paystub. That amount would be so negligible, it wouldn't raise any eyebrows since it should be nowhere near the "hypothetical" 10% that we throw around....
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  • justbroke
    replied to Greg Atwater
    It is unlikely. The Chapter 7 Trustees come from a panel. They are typically regular bankruptcy attorneys and sometimes a CPA. The pool for the Middle District of Florida is 25 different Chapter 7 bankruptcy trustees on the panel. Combine that with the Northern and Southern districts, the pool is essentially...
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