Anything I received regarding my case from the trustee or attorney NEVER came certified or registered. Anything I received from the trustee also went through the attorney who also sent me a copy. Maybe express your concern to your attorney and see what he/she suggests. As for your creditors, you shouldn't...

I agree with what muneco wrote above. You can also ask your attorney if the trustee has a website that you can look at (almost the same info as NDC). Just be cautioned that you're not going to see mistakes..the trustee pays the claims in whatever way he/she decides (and is allowed to do so). Sometimes...

Hi and welcome. You have basically covered the issues of the "keep your head down" wording that you've seen. Personally it's a phrase I dislike...do exactly as you said but if you have any questions/concerns that you need help with do talk to your attorney and, if your attorney doesn't respond,...

Then so far, so good for you. I have to say that is strange there was no confirmation hearing..that would normally show in Pacer. I would for sure ask your attorney about that. Once every one files you should receive a list of the claims from the trustee. The agonizing is something everyone on this...

Hi @Stephie14 - Welcome to this site and to taking the step to get your finances back in order. The confirmation of your plan has nothing to do with whether claims have been filed
yet or not. The confirmation is for the judge to agree to the plan that has been submitted on your behalf by your...

hcorreia1 - are you in a 100% payback plan?? If so, talk to your attorney about getting permission to do a refinance. If you are already paying 100% the trustee should NOT take
the savings. That's only for a 100% plan (I know because my attorney talked to me about it). If you are in a less...

Sorry, I am not in the know about Chapter 7...ask tomorrow when you go to sign everything...good luck!

Hi. Are you in chapter 13?? If so, you probably want to do that second class either a) ASAP - once it's done you don't have to think about it again OR b) before your last payment is made. The class has to be done or you won't be discharged.
As for your credit, no, it's not pulled again before...

Hi Robin, your monthly plan payments are NOT reported to the credit bureau. Your score will be lower while in your BK, but once it is completed you will see the score jump up. It won't be a perfect score, but it will be a good starting point for going forward.

Great post with good advice. Congratulations!!! I can't believe it's already been a year since you filed..time really does fly!!! Glad that things are going well for you.

I don't have personal experience with ESOP...but as a retirement account, I would say YES it's exempt. Good luck as you move forward in the process.

Hi again Time2Change ..it's no fun when the picture and the person don't match (I find that a lot with real estate agents..i joke that they must've used their high school pics for their cards).
He sounds gruff, but if he knows what he's doing (and you have to be the one who feels that he does),...

As Switch said if the creditors don't file, it is no longer owed and no they can't come back later to get it. I maybe a couple typos in my post above. I meant to say "a few creditors did not submit a claim" and because of that and having saved during the plan we were done in 4 "years"...

Hi and welcome. I think you've done a good job trying to estimate your payment...and yes you are correct, what you will pay on the credit cards is what is owed at the time of filing. The nice thing is that there is no more interest owed. Every trustee handles things differently so your calculations...

I totally agree with Nodebtrenton. Even if you tried to submit paperwork showing the account being included in BK it does not show your wive's name. Did you use an
attorney when you filed? If so, I'm surprised this issue wasn't discussed. Sorry, you got the surprise at the end.

I believe if it was a joint account and your wife didn't file, they can do this (she didn't file so as a joint cardholder, she's still liable, whereas you're not). Of course someone with more knowledge may respond differently.

That is correct..late payments will go on your credit report. Just make sure she makes the payments to they don't come after you.

bcohen - Hi, I totally agree with your advice. I live in WA state where are our house prices are rising daily and it's a seller's market. Staying put in our home is the right thing for us because the price to buy a new house is too high right now (I don't want to go backwards from where we are -...

Congratulations...i hope everything goes smoothly for you this time. It'll be the easiest 1528 days ever

Welcome...be sure to read what you can and ask questions. There are lots of knowledgeable people who can share their experiences and knowledge with you.