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NoMoney30
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Last Activity: 05-13-2020, 07:24 AM
Joined: 03-04-2009
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  • NoMoney30
    replied to Confirmation Order Question
    Hmm... well my case has been the odd duck since the beginning anyways... our second car is basically a pile of metal right now and it needed like 2000 to get it working again... so I wondered why my attorney was like just get it fixed! And I was like how am I supposed to do that?! His response was...
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  • NoMoney30
    replied to Confirmation Order Question
    Ah! Ok... that makes more sense. Thanks. I did find one section in my plan that talks about incurrence of indebtedness and it says I can't get more than 5000 ... is that a lot? I thought I've seen other people's say like 500 or something.
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  • NoMoney30
    replied to Confirmation Order Question
    Interesting... yea the actual document says page 2 of 2 .. the second page only has signatory places...

    this is all it says:
    1) the plan as filed or modified is CONFIRMED.
    2) upon entry of this order, all property of the estate shall revest in the debtors. Notwithstanding...
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  • NoMoney30
    started a topic Confirmation Order Question

    Confirmation Order Question

    Hi! I'm wondering where I would see the things that the trustee put in my order that says how much debt I'm allowed to accumulate and if I have to show them my taxes etc ... (I know that I don't have to show them any of my taxes and I'm allowed to keep any money I get, but only because my attorney...
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  • NoMoney30
    replied to Ch 13 While Salary Is Lowered
    Yes be careful... while they do look forward, my 6 month lookback totally screwed me. My attorney should have better prepared me or warned me that I should wait longer. But I had all sorts of goofy things happen in my lookback. I had a small raise, I had health insurance premiums go up, I had a 401k...
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  • NoMoney30
    replied to Refinance House?
    Sorry, what are you getting at?...
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  • NoMoney30
    replied to Refinance House?
    Oh I guess I kinda answered one part of my own question... I just read my confirmation order and it says this:
    Upon entry of this order, all property of the estate shall revest in the Debtors. Notwithstanding such revesting, the Debtors shall not encumber, refinance, sell or otherwise convey...
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  • Mine finally says I'm going to get mine direct deposited 6 May. So, very happy about that. Course, they will get 2,200 of it right back again when they take my 2019 taxes on 7/15.
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  • NoMoney30
    started a topic Refinance House?

    Refinance House?

    Has anybody done a refi inside their chapter 13? We have an adjustable rate mortgage right now and its set to change next year and we're only 1.5 years into our 13. But the rates right now are soooo good! Are we allowed to refi? My mortgage is not paid in the plan but I'm not sure if a bank would...
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  • I did my research also... checked out a bunch of places. I was super pleased with the guy hired. I had no idea they were going to blow me off to a junior guy who obviously couldn't handle complex cases. I actually wanted to fire them at one point and find another attorney but its not really possible...
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  • NoMoney30
    replied to Stimulus check Chapter 13?
    Don't feel bad... I shot myself in the foot as I normally do owe the IRS every year but it was greatly offset by my mortgage interest and my student loan interest... in 2018 I only owed them 527 dollars and I got back like 1400 from state...so it was easily covered. But now that I'm in bankruptcy and...
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  • Thanks for that! Yes, I was one of those people that had "payment status not available" for weeks. I finally got my info in over the weekend. So, now I'm just waiting to see when the deposit date is going to be. I was rather worried since it had been so long... but now I just need to wait....
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  • Having a shitty lawyer lol plus I guess my own ignorance. My lawyer told me to do certain things to my payroll like up my 401k deductions to 4% because that's how much my district allowed... I said ok sure... then in the middle of my look back period I got a 3% raise but my company's healthcare coverage...
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