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justbroke
justbroke
Super Moderator
Last Activity: Yesterday, 06:40 PM
Joined: 07-10-2008
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  • justbroke
    replied to 2004 exam
    The panel trustee is responsible for liquidating the case. They typically deal with assets. The United States Trustee (UST) however is responsible for the integrity of the program If the UST is interested in hour case, then it means that you are either over-the-median (which invites scrutiny), of your...
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  • justbroke
    replied to 2004 exam
    The mere fact that any debtors goes through a 2004 Exam is horrifying; at least to me. It is nothing short of a full on financial deposition and even glimpses into your lifestyle.

    I'm assuming the Chapter 7 Panel Trustee requested the 2004 Examination? If it's the Panel Trustee, and not...
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  • justbroke
    replied to Pacer is now blank???
    No idea. Blame it on the ghost in the machine.
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  • justbroke
    replied to New debt with 100% plan
    Generally speaking, there are no rules when you're in a true 100% repayment plan. A 100% plan debtor is not restricted in any way. They are allowed to incur debt, so long as they pay back 100%, and stay in plan and on time.

    You can confirm with your attorney, but your Chapter 13 Plan of...
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  • The rant is fine. I actually don't like Cox Communications in areas where they are the only game in town. We pay $39/month for what was Verizon FiOS (Fiber Internet). It's now owned by Frontier and they charge $39/month for 500Mbps up and down. The competition is fierce in Florida! Generally I don't...
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  • justbroke
    replied to Change of focus
    Run, do not walk from that attorney. And that's all I have to say about that....
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  • justbroke
    replied to Change of focus
    Social security would be "collection proof." Whether or not a private pension is protected would be based on your State's non-bankruptcy laws.

    Many people continue working to paydown a mortgage or to get it to $0.

    I would rather see a hardship discharge -- or conversion...
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  • justbroke
    replied to I'm confused!
    This is where the attorney will come in handy. If the other people in your household are not your dependents (with some sort of proof, such as tax returns showing they were claimed as dependents), then the bankruptcy trustee will usually go by your actual legal household size. While the IRS determines...
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  • justbroke
    replied to I'm confused!
    Technically everyone completes the first portion of the means test to determine whether or not they need to complete the entire means test. The first part of the means test uses your current monthly income, based on your 6 months of income immediately before filing, to calculate a value for your estimate...
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  • justbroke
    replied to Insurance Settlement questions
    I'm really sorry to read that horrible experience. Yes, men typically are tough and will "walk it off" but it reads as though you had a serious head injury which could lead to a traumatic brain injury (TBI). If the TBI is severe enough, it could certainly affect your ability to make a living...
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  • justbroke
    replied to Discharge
    You are all set! Congratulations on your discharge. Now go enjoy that fresh start.
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  • justbroke
    replied to Discharge
    That reads as if that's an automatic discharge (usually day 61 after 341 Meeting of Creditors). You should be able to look at your same search screen, where you pull up your case, and look at the top. It should have your name and then a line which reads "Debtor discharged" followed by a date....
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  • justbroke
    replied to Change of focus
    Sometimes we need to slow down and think more about our health than the job. I'm changing careers after 35 years.

    It depends on the district on whether you can simply convert. Some districts want a new Means Test and Schedule I/J, whereas others want you to have qualified at the start....
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  • justbroke
    replied to "Awaiting closing" before discharge?
    If your 341 Meeting of Creditors was in May, then your discharge will come after 60 days from that May date. So if the 341 was on 5/20/2021, then the discharge will come after 5/19/2021.

    There are other tickle dates in the system, but please do not look at anything there (deadlines / due...
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  • Sounds like a good plan. In this curernt climate, I would hope the Chapter 13 Trustee just responds with a "congratulations" and that's that.
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  • justbroke
    replied to Mortgage Reaffirmation Questions
    I wouldn't have the case extended. It is what it is at this point.

    You have to realize that Chase usually doesn't care about reaffirmations. It's probably a pain for them when someone wants one so they may, intentionally or not, have "issues" with the contents.

    For...
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  • Welcome to BKForum!

    It shouldn't matter if you reaffirmed or not. The underwriter (UW) would probably base it on whether you can afford both mortgages at the same time. That means that the other mortgage payment (PITIA) will count as an expense in the calculation of your DTI. Otherwise,...
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  • Definitely build that rainy day fund. If you own your home, your plan should have had an allowance for maintenance on the home. I think I added a budget of $250/month for general maintenance (indoor/outdoor painting, landscaping, and repairs). I actually exceeded that amount nearly every single time...
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  • Welcome to BKForum!

    Please feel free to open a new thread and ask a question. There is a lot here to digest, but sometimes are situations may be unique or you may not have found anything with a search.
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  • justbroke
    replied to Debt collection
    If a debt is sold, then it no longer belongs to the original creditor. Your only recourse would be to work with the new owner of the debt. These are called Junk Debt Buyers (JDBs) and they do own the debt.

    Usually no. They usually sell the debt for pennies (less than $0.10) on the dollar...
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