Welcome to BKForum.

As they say, bird of a feather, flock together. Feel free to start any conversation of your choosing as you navigate through what can be stressful. But, I must also say that the relief from filing and then from the discharge of the debt can take the weight of the world...

I don't think it's deceptive. They don't say that it's a FICO score at all. The Vantage score has been around for quite some time (15 years) and was actually created by the bureaus themselves. Not everyone wanted to rely on Fair Isaac. There are actually a "few" (and I mean just a handful)...

I don't know, but I'm sure they bothered his widow. There was a sale of some property to pay back some creditors, but this was long after those debts were settled (so to speak). I think there is a statute of limitations which is usually just 2 years. This creditor was likely just a junk debt buyer...

Yeah, a bunch of those things like CreditWise use the non-FICO score known as the Vantage 3.0 score. For most things, that score is useless when it comes to lending. It is to give you a general idea of credit health. From what I can tell, Capitol One uses an older FICO score known as FICO Score 4 based...

Throwaway92 I'm happy to read that the UST was okay and that you made it to discharge. Now use that new life and enjoy it....

If you have an Order Discharging Debtor then you are discharged. You are now in the twilight period where the final Chapter 13 Trustee audit occurs and the final accounting is filed with the court.

So.... Congratulations on your discharge!

Death does not remove responsibility for payment. The executor of the estate is responsible for settling all debts owed by the decedent.

Yes, it's morbid but, unfortunately, debt does follow one to the grave. It is visited upon the survivors (the Estate). I recall a creditor calling me...

It's a good word. It reminds me of the movie The Hitchhiker's Guide to the Galaxy where the prison release form is taken literally. Some may call it malicious compliance.

(If you haven't read the book or seen the movie, the prisons are managed by one of the "most unpleasant races in...

I don't believe there's a more exacting microscope in order to discharge a Chapter 13 case. The simple fact is that the Chapter 13 Trustee must make an accounting audit of everything spent, account for every returned check, and perform all housekeeping measures at the end of the case. What many don't...

It a term of art. The Trustee receives their power from 11 USC 1302(b) which says...

The Trustees look to that 1302(b)(4) to derive most of their powers. In fact, the wage deduction order is not found anywhere in the code, but the Chapter 13 Trustee derive that power under the guise of...

It's an interesting story about the job of the Chapter 13 Trustee. All of them agree that their job is to help the debtor get through the Chapter 13. Some think it's by understanding and empathy and the others by enforcing all the rules. A Chapter 13 is about a bunch of rules and some Chapter 13 Trustees...

Everyone please welcome shipo who has graciously volunteered their time to help moderate the forum. We hardly need to ever intervene in anything, but we are here to make sure the decorum on this forum remains amiable and welcoming.

Sadly, we bid adieu to sophieanne as she has stepped down...

True story! Of course what I wrote is an oversimplification, but Barbisi gets it. There can be other factors....

Welcome to BKForum

Congratulations on the new home. The phenomenon which occurs after closing on a home is well known in lending and real estate (agent) circles. New homeowners go out and buy a bunch of stuff to make the new home their home. This is also why most lenders monitor the new...

Reads as though all the stuff and clothes maybe worth $500 and the car $4-5K so I would think that your attorney can squeeze those in to make that a no asset Chapter 7 case....

I have the same vehicle.

The question will be the value of your 2012 Ford Focus but I'm guessing it's less than $4-5K and there should be enough with the unused homestead exemption ($4K), car exemption ($1K), and wildcard exemption ($1K) to possibly protect the vehicle. That's the biggest...

I would sit down with my attorney and discuss.

Debt consolidation fails most of the time and people end up in bankruptcy anyhow, having wasted time and money. If you lack even the amount of money necessary to negotiate with creditors and do debt consolidation, that's not a good sign. Many...

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So long as you're not counting her as a household member, this would be fine. Her income is not automatically included in your bankruptcy as it would if the two of you were married. But, alas, there is a caveat.

To the extent that she contributes to the...

No matter what always pay what you can. Your attorney is thinking that if you can make up the other half in 30 days, then it's not going to be an issue. Many Chapter 13 Trustees wait until a debtor is 60-90 days behind before moving to dismiss the case. Even then, a judge is sympathetic with attempting...

I have never spent much time in the yard. I should as my weeds are mocking me. I spray them, remove them. I smile, they smile back (by growing back again).