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mountanddo
mountanddo
Senior Member
Last Activity: 01-15-2015, 08:20 PM
Joined: 08-27-2011
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  • mountanddo
    replied to Discharged!
    Thanks guys! One thing I want to tell everyone who is in the beginning of this is that I NEVER thought I would be able to live without credit cards. Now I can't see buying things unless I have cash and since I don't have credit cards I have a lot of CASH now. I have gotten into the habit of making...
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  • mountanddo
    started a topic Discharged!

    Discharged!

    Finally my chapter 13 has been discharged as of 12/16/14.

    How long does it take to be reflected on your credit report. I don't want to pull them until I know if it has been reported.
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  • mountanddo
    replied to Renting
    Thanks justbroke. On creditkarma my score is 629. Not sure how accurate that is from the 3 credit companies. I'm not planning on moving right now but I would like to move to Texas within the next year and it would be easier if my credit wouldn't be a deterrent to renting. I don't want to spend a...
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  • mountanddo
    started a topic Renting

    Renting

    I am almost done with my Chapter 13 and wonder how hard it is going to be to rent an apartment once it is discharged. Do you have problems once you are discharged with renting? I know while I am in an active chapter 13 that I would have problems but I really would like to move soon. Is there a difference...
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  • mountanddo
    replied to Discharged!
    Congrats!
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  • mountanddo
    replied to Almost discharged!
    No advice? hmmm. Could someone at least point me in the right direction on the best place to get advice on rebuilding credit after bankruptcy? How long does it take to get a decent credit score built up?
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  • mountanddo
    started a topic Almost discharged!

    Almost discharged!

    I have one more payment before my chapter 13 is finally discharged. My credit score went from 585 right after filing to 629 today. For some reason it went down 12 points in the last 3 months, but I have no idea why.

    Luckily my car lasted "almost" for the entire three years and...
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  • mountanddo
    replied to Can I get a car loan in a chapter 13?
    Ugh! I'm afraid since I didn't have a car payment if I can show I can afford a car note they may deny it and up my payments. I specifically moved and lowered my expenses so that I had extra disposable income but I don't want to have to submit all my expenses to the trustee again and risk having them...
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  • mountanddo
    started a topic Can I get a car loan in a chapter 13?

    Can I get a car loan in a chapter 13?

    I have about 14 months left in my chapter 13. My 1996 Sunfire is on it's last legs and while it still works I am afraid to drive it because something will inevitablly go wrong and it will need to be towed. I've been told that it isn't worth to fix what is wrong with it. I am thinking of just junking...
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  • mountanddo
    started a topic Filing bankrupcy when you are incarcerated

    Filing bankrupcy when you are incarcerated

    Can someone file bankruptcy while they are incarcerated in TN? Would a POA be able to file on behalf of this person? I know you have to have pre-bankruptcy credit counseling so I don't know how they would accomplish that. Also, would the POA be able to attend the 341 meeting instead of the individual?...
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  • I had a collections account that was only $107 that was included in my bankruptcy. I contacted trans-union and it's now gone from my report. My credit score immediately went up 20 points. I know they take things off when they are investigating things so I'm wondering if it will come back on and say...
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  • Well seeing as he's in prison he doesn't have the ability to scan in checks or have a need for a debit card. Basically he just wants to be able to mail a deposit in to the bank from his trust account so that he'll have access to a bank account and funds when he is released.
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  • mountanddo
    replied to Why not lease it and Sears
    I actually wasn't going to do it. They are promoting it to improve your credit and was simply curious if this actually would improve your credit.
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  • mountanddo
    started a topic Why not lease it and Sears

    Why not lease it and Sears

    Does anyone have any experience with this and would you be allowed to do this while in a Chapter 13?

    http://www.whynotleaseit.com/sears/?...&ruid=2002630#
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  • I say if you have enough in your emergency fund after paying for the cruise then by all means go. That is a great price for a 7 day cruise. You are paying cash for it which is a lot better and less stressful than putting it on a credit card. Sounds like you deserve it and just because you filed bankruptcy...
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  • mountanddo
    replied to Question about my 403b
    Yep, it's gonna suck but I have to move and I have no other option than to use my 403b. So you don't think I have to get trustee permission to take a distribution? Most likely I won't be moving until a few months after my case is dismissed but wanted to make sure that if I had to use it I wouldn't...
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  • mountanddo
    replied to Question about my 403b
    It would be a distribution. You can't take a loan from a 403b and I can't withdraw the money unless I am no longer working there.
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  • mountanddo
    started a topic Question about my 403b

    Question about my 403b

    I have 17 months done of my chapter 13 with 19 more left to go. I am thinking about moving to Texas but can't finance a move and have money to survive without having access to the money in my 403B. Is this going to be allowed? Can I withdraw money from my 403b or do I need trustee permission to do...
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  • mountanddo
    replied to Discharged
    Congrats on your discharge. Enjoy your new debt free life!
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  • mountanddo
    replied to This is good?
    Congrats! Enjoy and get some much needed sleep.
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