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HRoark0717
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Last Activity: 07-13-2011, 01:39 PM
Joined: 02-01-2011
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  • Question on amending forms after filing - change in rent

    With the real estate market is such disarray, I approached my landlord last week and successfully negotiated a rent reduction which goes into effect May 1. (this change in rent caused no serious impact on the means test...still passing easily)

    Question: Is it necessary to amend the forms...
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  • What to do with pending court cases with 2 Collection Agencies - Filed 3/11/11

    With the help of this forum and Nolo, I filed successfully on 3/11...
    Prior to the filing date I received 2 summons from two law firms representing Cap One and Citibank.
    I did file an answer within 30 days on both and still these two firms have continued to move forward with these...
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  • HRoark0717
    replied to Quick question on reaffirming a car
    Tom in Colo,

    Wow! You are an endless flow of excellent input. Many, many thanks I was able to talk with the lienholder today and only got a few questions answered. Once I file and have a case # is when the rest of the questions can be addressed.

    Tomorrow's the day...
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  • HRoark0717
    replied to Filing BK paperwork question
    Hi Tom in Colo,

    You get what you pay for...Good one Going pro-se has its sense of accomplishment but it's also laking in the fancy stuff..."we don't need no stinkin computer programs" (a play on words referencing the famous quote from "Treasure of the Sierra Madre"...
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  • HRoark0717
    replied to Money from family/girlfriend/friends
    pikaroth, Your little bit of help is alot of help for me I've been scared and have had this decision pounding in my head for a long long while...and will continue to feel scared until I'm standing in that bright light you are referring to. This forum has been Ammmaaaazing! So grateful to have stumbled...
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  • HRoark0717
    replied to Quick question on reaffirming a car
    Many thanks gatekeeper. This is very interesting information. I was not aware the lienholder could take the position of wanting to work with you (I was thinking the opposite). I'll prepare myself with some questions about payment reductions, reporting to the credit reports, etc... Thanks again fro sharing...
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  • HRoark0717
    replied to Money from family/girlfriend/friends
    Well said pikaroth! Thanks for sharing. It's good to hear a similiar situation and how you are handling it...this is a huge help! ...
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  • HRoark0717
    replied to Filing BK paperwork question
    Excellent discombo1. That's reassuring. Thanks for sharing. I'll check with the local rules. Sounds like I should be ok...
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  • HRoark0717
    started a topic Filing BK paperwork question

    Filing BK paperwork question

    Will my paperwork be accepted if I handwrote some short simple information in a few areas on the BK forms while all of the info was typed?

    Reason for that is the box area on some forms were not allowing me to type.
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  • HRoark0717
    started a topic Money from family/girlfriend/friends

    Money from family/girlfriend/friends

    This has been a difficult time period financially (duh!). But even without paying the bills for all my unsecured debt, I still need some financial support. Luckily I have found that support within my family, girlfriend, friends, and some paid focus groups. The money I'm talking about is like $50 here,...
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  • HRoark0717
    replied to Quick question on reaffirming a car
    Great! Thanks for clarifying AngelinaCatHub. Yes I have read alot of threads about reaffirming a car loan and the "pay-through" "ride-through" option seems to be the better way to go if possible. Could I throw a few other questions out there?...
    Question 1: When I call the...
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  • HRoark0717
    started a topic Quick question on reaffirming a car

    Quick question on reaffirming a car

    I am planning to reaffirm my car loan and adding the lienholder info on The Statement of Intentions.
    Question: Am I required to also add the car lienholder to the Mailing Matrix?
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  • Paying $200 a month on my gas card over the last 90 days would be too rich for me...looks like I'm still good ...
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  • HRoark0717
    replied to Renting month-to-month question
    Thank you bobmartins69, chicagoannie, dontburnthep, justbroke, debtprison!! Excellent input!
    I now know that "THE" BK conservation with my landlord is inevitable. Found some peace with it and will do the deed this week. It's not something I want to share with him but I have no choice...there's...
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  • Excellent timing with your daughter's ticket and your BK filing... I've experienced one of those sneaky expressways with no toll both person and know exactly what you mean...unfortunately, I won't be able do that what you did. I'm gonna attempt to fight it with the hope of the officer not showing....
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  • HRoark0717
    replied to Renting month-to-month question
    justbroke, That's good to know you left your landlord off the Matrix. I will do the same. And no I am not rejecting the lease and will continue paying rent month-to-month and on time. So that would also mean it is NOT necessary to include him on the Statue of Intentions if I am not rejecting the lease??...
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  • HRoark0717
    replied to Renting month-to-month question
    Thanks for your input Tom and justbroke. I really really do not want to share this BK filing news with my landlord. If I DO NOT include him on the Mailing Matrix then what could possibly be mailed to him from the BK court? Does he get something mailed to him automatically if I add him to the Schedule...
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  • HRoark0717
    started a topic Renting month-to-month question

    Renting month-to-month question

    I just read a number of threads about a Landlord finding out, or not, about a BK filing. The responses were somewhat conflicting so here's the position I'm in with this situation. Looking for any helpful advice to do this correctly...

    I am renting an apartment. My one year lease expired...
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  • Yeah, could see that happening justbroke and then have to deal with that. I am going to finish my 2010 taxes...it will be one less thing to handle later.

    I could show the Trustee my completed 2010 tax forms which will show I owe, and then hold on to it until the 18th of April to mail...
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  • Thanks justbroke and BKparalegal!! ...your input is invaluable.

    I am planning to file during the week of March 7th. I am debating on doing my taxes before or just informing the trustee that I will owe on my 2010 taxes.

    I read in the NOLO bok that one of the requirements...
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