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NoMoney30
Registered User
Last Activity: 01-14-2020, 07:55 AM
Joined: 03-04-2009
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  • NoMoney30
    replied to Finally filed!
    For us, we have 2 cars. I was able to cram down 1 car and not the other car. My house is over 400k and nothing about equity ever came into question for cram down. The rules as they were described to me on whether I could cramdown my car loans was a question on when I took the loan out and how long...
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  • NoMoney30
    replied to Chapter 13 questions
    Well that’s all well and good but they wanted me to sell my house to pay the debt when they thought I had a lot of equity. Once I proved I didn’t, I got to keep my house. I wasn’t behind on payments or anything... so I dunno if that makes a difference. But I can only say my recent experience...
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  • NoMoney30
    replied to Chapter 13 questions
    You MAY find something to take that equity out but it will most likely be a really crappy deal. The interest rate would probably be high and you may find yourself in yet the same situation 6-12 months down the road. I delayed the inevitable for like 3 years before filing for 13. I refinanced my house...
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