Current median income for a family of 4 in Arizona is $85,403.00 so you may be slightly over but should pass the means test. See:

https://www.justice.gov/ust/eo/bapcp...come_table.htm

Your vehicles are fine for a 7. Your tax refunds, unless received, cashed and spent before...

1. You live in California. California is a community property state. But for personal guarantees and real property debt (unless both of you signed) all debt is the debt of each spouse. It does not appear that you have listed your wife’s debt such as credit cards, medical bills, etc.

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I need to chime in here. While a CR may be useful, the best source of creditor info are your bills.

The problem(s) with CRs is 1) they are only as good as the person who entered the information and/or 2) many times the information is simply wrong or outdated.

While I will...

Welcome to the Forum. In response to your three questions. . .



Your Discharge does not list the debts it covers as it is a generic document. If a debt was not dischargeable without a specific court order (student loans for example) it is just not discharged. This covers certain...

The mortgage/lien/deed of trust held by the lender is junior to your main mortgage and, unless the lender (or its assign) has recorded a release of that mortgage/lien/deed of trust, when you go to refi it will pop up. Your Chapter 7 did not release that lien. However, it is always possible (but doubtful)...

Your post from 2017

https://www.bkforum.com/forum/before...er-341-meeting

seems to suggest that you cannot lower your Plan payment as it appears you were required to increase it to cover the non-exempt equity in your...

Has the mortgage holder's attny put in a Notice of Appearance? If "yes" then have your attny discuss with the lender's attny. However. . .

The funds should be held in trust for the benefit of the contractor. Typically (at least in my area) they are held by the insurance company...