When they asked me, I said that I had a reduction of income and I tried to keep afloat by using credit, only to find myself buried in the mess. . Simple... one sentence.

What did you put on your Statement of Intentions?

I meant, that the paragraph contains the information that you need. Just write something similar to what you just wrote above (the one that started with.. "I'm self-employed..." It just needs the overall reason you filed, and not a novel....

I think your first paragraph is a good overview! The reason for filing is typically debt due to loss of income or medical. It does not need to be fancy!

Oh my. What have I done!...

As sophieanne wrote, just confirm with your attorney. If you are truly in a 100% plan, then there it is unlikely that you need to surrender tax refunds to the Trustee.

The score will depend on which creditor uses which credit bureau for your State. Yes, it can vary. I would try Capitol One's "pre-qualification" engine and also the pre-qualifier from Discover. Some others have pre-qualification links as well. Just dno't use one that doesn't do a true...

The account should show with a $0 balance and Included in Bankruptcy (IIB) or something else that indicates that it was discharged in bankruptcy. This problem seems to be unique to how Experian reports things. The fact that you filed bankruptcy and the account was IIB is, in and of itself, a negative...

When exactly did you purchase this vehicle (checking to see if it's a "910" vehicle). I would go for a redemption and just chop off that $11,000 of negative equity.

Stop paying them! The reason is that you're either going to walk away, or redeem. Paying them is like flushing...

Definitely try to get 1-2 revolving credit cards (not store cards). I would try Discover and/or Capitol One by using their "pre-qualification" tool. Additionally, you may want to open a share account at a Credit Union (CU), and then do a share-secured loan. That share-secured loan will...

This is way above my pay grade. I would only look for answers from a bankruptcy attorney that is also skilled in tax law.

The question I would have, for the tax attorney, is whether any portion of the OIC is from otherwise dischargeable tax debt (last due 3 years before filing the petition,...

The interesting thing is that the refinancing destroys the purchase-money aspect of the loan. I argued this in my case where I purchased the vehicle in late 2006, but refinanced in mid 2007 just before filing in mid 2008. I won the argument and the creditor backed off. Since it was 2008 and only shortly...

Congratulations on the Chapter 13 discharge. This is truly something special. I wish you a fresh start!

You will receive your discharge after 14 days. The Trustee's report details how much was paid to each creditor, and the amount that should have been paid according to the Order confirming the Plan. However, there are sometimes discrepancies in the distribution and this gives a creditor the chance...

This is standard when the Trustee needs to exert their legal powers in order to recover or administer property of the bankruptcy estate. It's required because the Trustee needs to apply for legal fees and expenses, and this puts the court, and creditors, on notice that the Estate is going to incur...

I don't understand why an attorney would say that you could collect sales tax without a seller's license (which is mandatory I think). I know that, as a business owner that sells at retail, I must obtain and maintain a seller's license to collect the sales tax and to submit it to the department of...

You're lucky. Mine fell off my report as well, but I clearly still had a mortgage shown in the public records....

It's interesting only in that the Trustee didn't catch that $1,000 difference between the anticipated refund of $5,000 and your exemption of $4,000. If the Trustee doesn't want the money, then they just don't want the money.

I can't assess why your case has not closed after 25 days post...

Congratulations on a spectacular achievement. A Chapter 13 is not something that most people can do (stick to a strict budget), but you did it and made it to the other side.

You should call them directly and keep up on it. I was able to secure funding for my vehicles, but only redeemed one of them.