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justbroke
justbroke
Super Moderator
Last Activity: Yesterday, 03:01 PM
Joined: 07-10-2008
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  • justbroke
    replied to Question
    Welcome to BKForum.

    I haven't personally run into that, but I definitely see attorneys admitted to the Bankruptcy Court for Florida, appear in any of the 3 separate districts and more than 10 divisions. It would really likely matter if that attorney is part of a large mega-firm or if the...
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  • Thank you tg16. Stick around and if you have any more questions, feel free to ask. Once you get to that discharge, in about 90 days, I hope you'll stick around to help others.
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  • justbroke
    replied to Need advice fast
    flashoflight summed that up better than I did in my former post. The fees that are allowed can be devastating and there is literally nothing (much) that you can do about it unless they agree to abate or cancel those fees.
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  • justbroke
    replied to Need advice fast
    From my experience, getting to the bottom of the issue can be taxing and can cost you money. My HOA had the audacity to send my request to their attorney, when I asked for detailed paperwork. The attorney then charged their corporate fees for the research, even though Florida law prohibits that for...
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  • (I moved your post as your two threads are very similar and having two threads would only dilute the answers.)

    Adding on to what I wrote above, the flags are justified unless you can either show a.) that there were extenuating circumstances (see above), or b.) there was actually no loss...
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  • First, welcome to BKForum and thank you for protecting America through your service.

    Maintaining a borrower's history of payments is not in violation of bankruptcy law. The Fair Credit Reporting Act allows a bankruptcy to remain on a credit report for 10 years, as it reflects both the derogatory...
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  • justbroke
    replied to Cap one told me no
    I started nearly the same as shipo only I went straight for the $5,000 FNBO American Express Secured card. It's still in my wallet. I travel for work, so it was my lifeline. It had enough elbow room to travel 2-3 weeks which was plenty of time to be reimbursed and to pay down the bill....
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  • The CARES act did not modify the "serial filing" provisions in the bankruptcy code. It only allowed a debtor to borrow from a 401(k) or extend a Chapter 13 to a term not exceeding 7 years.

    You can always file a Chapter 13, you will not receive a discharge and will need to pay...
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  • justbroke
    replied to Question credit report
    If your case is discharged and/or closed, there is no reason to check PACER. Creditors are actually very aware of the penalties for trying to "bite" a debtor for discharged debt. It is very easy for a debtor to not only drag the violating creditor into the bankruptcy court, but sanctions are...
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  • justbroke
    replied to Question credit report
    Welcome to BKForum.

    Since it is business debt, they likely marked it as "included in bankruptcy" (IIB) so it never "reported" to the credit bureaus. As you may now know, filing bankruptcy is a wild ride when it comes to your credit score. It's too difficult to predict...
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  • justbroke
    replied to Significant pay increase
    Chapter 13 Trustees are fickle and hard to read. There's no magic formula but we do like to use the 10% as a barometer of what would start to pique the Trustee's curiosity. In some districts, the Trustees don't care how much more you make; they only care about the original plan. Yet in others, the...
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  • justbroke
    replied to Need advice fast
    First, welcome to BKForum. I just put some paragraph breaks in a few places to break up your text. I didn't edit any part of what you wrote. It's a lot to digest, but here are the highlights.

    Are you talking about a foreclosure? A bank can't sell your home at all. Only the court can direct...
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  • Welcome back to BKForum! Yes, some accounts were reset and some created between (I think) 2017-2019 may have been lost.

    That's why we stay. Hopefully we can help one person through this, or just provide a family-like environment where we can share our issues and seek advice....
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  • That's a tough legal question. If a creditor was going to do a set-off, they'd do it before sending it to collections and/or before taking strong collection actions. As a creditor, I would not wait.

    Additionally, a creditor may want to think about whether to seek permission or validate...
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  • justbroke
    replied to credit rating is a scam
    I agree. I don't get the travel cards and don't want to chase "points" through spending. I only have cards with cash rebates especially my charge card. Hopefully those that filed bankruptcy and went through a Chapter 13, learned to live without credit. Hopefully we also learned to budget and...
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  • justbroke
    replied to new to this
    Welcome to BKForum and congratulations.
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  • justbroke
    replied to credit rating is a scam
    I have a charge card as well, and I am making about $150 a month in cash (which they automatically include as a statement credit the following month). That's chicken-feed, but it is nearly $2,000 a year in "free" money (via a type of rebate).
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  • justbroke
    replied to credit rating is a scam
    Exactly, but he built that after bankruptcy, and so am I. As I wrote, I'm using many of his tactics, combined with some others. I don't expect to get to $150 million in property, but $2-3 would be fine and is doable in 10-15 years. her people's money (bridge loans).

    I also find it interesting...
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  • It is definitely a shame that the attorney and the Trustee both missed the feasibility notice. But the outcome is similar to if your tax preparer and/or the IRS messed up on a calculation or forgot to tell you something; you are still liable for the taxes despite the error.

    They made at...
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