Is that bill only a courtesy copy? Sometimes they send that to the "escrow" address for the lender and will send a copy to the owner as well. If it's in escrow you may need to contact the insurer and inform them of the creditor and the escrow contact for your creditor.

First, welcome to BKForum. I moved your question to this area of the site since you asking about Chapter 7 bankruptcy.

There is no way to tell when Wells Fargo would come and repossess a vehicle that you are surrendering in a Chapter 7. If Wells has filed a motion for relief from the automatic...

Welcome to BKForum.

They might then go after mom, the co-signer, but mom is collection-proof. So it would be fruitless....

The usual procedure is that once the time period, in the negative noticing, expires, the movant (your attorney) would file a proposed order and a motion . I don't know if 7056 applies in your motion to modify, but the "may" just means that the court could consider the motion, as filed,without...

You should inform your bankruptcy attorney and you should seek approval from the court. This is because a section of the bankruptcy code reads that any property acquired during the pendancy of a Chapter 13 is part of the bankruptcy estate. Since this newly acquired property is "real" property,...

It really depends, but paying on credit cards when you know you're going to file in the next 90 days, doesn't appear to be prudent. If you are truly hurting, insolvent, and can't meet basic needs, then one should concentrate on taking care of themselves and insuring they have a roof over their head,...

Welcome to BKForum. Everyone here is friendly and willing to answer your questions... or just offer emotional support!

WStuber21 first, Welcome to BKForum!

As written above you could try debt settlement if the amounts are low and you're actually able to keep with plans. You must keep in mind that most debt settlement plans fail and you end up in bankruptcy. The question for you, since you're young and you...

That depends on whether your court does "negative noticing" (a/k/a judicial noticing) which allows the judge to rule on the merits of the motion without a response from anyone. Typically the Trustee would at least file a response consenting if they have no objection.

Too tough...

I know exactly what you mean but fortunately I (we) just moved into a 2,400 square foot (4-bedroom) home. We were in a 3-bedroom 1,300 square foot apartment and it worked for us, but felt cramped with 3 adult men.

I must tell you that working at the kitchen table, for hours, in regular...

First, I'm sorry to read about the loss of your father this year. It has certainly been a very trying year for many.

Second, Welcome to BKForum!

Now, to answer your questions. It is likely that the Trustee would want your portion of the proceeds of the sale up to the amount...

I removed the link. It was in the bracketed ("[]") part of the post. Any company is welcome to contact the site administrator if they want to advertise.

Should be on lower right hand side where you see quote, comment, flag and like. If there's not a flag link between the comment and like links, I'll let laz know....

Shipo, please feel free to click the FLAG link which will report this automatically to the moderators. I removed the link from the post.

laz I didn't think that a first time poster could (should should) post a link!...

This actually happens more times than it doesn't in Chapter 13s with mortgages involved. Specifically happens because many creditor systems, which deal with mortgages, are not geared for how they are paid in a Chapter 13. Those systems end up putting Trustee payments into "suspense" accounts,...

If this is a Chapter 13, then the Trustee would likely have mentioned some things during the 341 Meeting. But... until confirmation comes up, you won't really know unless your attorney gives you insight. This is because the Trustee may still be reviewing your paystubs, tax returns, and other information...

I like that way, flashoflight, but worry about changing the reason "why" the debtor is giving $$$ monthly to an elderly parent. If the Trustee is "nice" I suppose the Trustee could say the reason -- supporting an elderly parent -- is sufficient to not raise the payment by that amount....

The Chapter 13 Trustee would want proof of the payments without a single missed or returned payment. This would likely need to be shown through checks/debits from a banking account since cash is hard to prove. Additionally, the Trustee is correct in that your spouse has 0 legal responsibility to pay...

I am happy that stressful issue was alleviated.