Maybe your boss needs to learn - consistent pay = consistent employees. I'm glad you're getting the work that you need. Make sure you have a day or two to enjoy life with your husband. Hopefully there's someone good looking for a part time job and you get a good co-worker.

Congratulations on the one month of drink and gamble free! Remember one day at a time and one step at a time. Regarding your BK - I'm glad your plan is filed...keep your eyes on the prize...a fresh start is worth it!! Good luck to you as you go forward.

I hope it goes well Carmella. Hopefully you're second job remembers how you take care of them in the times when no one else wants to work. Co-workers are either great or questionable like the one who's just been hired part time. Hopefully she starts doing everything required of her..and doesn't expect...

@Carmella -- good for you and your husband...hopefully things go smooth for you. Are you still getting to work your second job?

In my case - I was in a 100% payback plan; my trustee paid off our cars (crammed down interest rate) within the first 3 months of the plan. Toyota released the title to us, but stressed, that if the plan did not complete they would sue us for the interest they would've received had we not filed BK....

I just made a call to the bank and asked to speak to the bankruptcy department. They explained the process to me and I was reporting again after they received notice that the case was fully closed. Good luck going forward.

Hi and congratulations! Different states/trustees do things differently The first thing to note is, although the trustee sent the final payments, the trustee does not finish his work until the checks clear. This can take up to 90 days (but not to worry, normally doesn't take that long). You may...

Hi carmella13 ..I'm sorry what your feared is happening. I would say that you don't contact your attorney until the amount you are paid drops or ends. Of course calling him to ask his opinion of when you should call just can't hurt. Then you know for sure. It doesn't raise concerns it just helps...

Trevor - you sound like you are on the right track. I would NOT use my work phone for anything but work, so I agree with you keeping your own cell phone. Just be sure you have the best plan for you at the right price. I think you're doing well enough that sleeping in your truck shouldn't be a consideration....

@Barbsi - I totally agree with carmella13 - look at the bigger picture of down the road, moving on....

And of course...one you file..and the automatic stay is on..you won't get those calls. Good luck going forward.

bknewstart19 - Good for you! You've taken an important step to maintain your sanity ...

carmella13 - just remember, if you lose that 2nd job..speak to your attorney. The attorney will look at your numbers and see if an adjustment to your plan is needed. The 13 is strict but it's also subject to review when tough times hit out of the blue....

Trevor - great attitude and good focus on the future! I'ld say good luck going forward, but I don't think you need it...you're getting closer and will be there before you know it!...

Congratulations @justbroke...you did it!! Hoping you have smooth sailing going forward

Sounds like things are progressing on your case. Unfortunately, it's really not clear how many creditors will or will not file Having said that it's not uncommon for creditors to wait to file closer to the date. However, it's possible some of them may not. It's really just a waiting game. Don't...

bknewstart19 - you and your wife are filing together aren't you????

Hi..all day on the 26th. Good luck with your plan; I'm glad everything has gone smoothly so far

Hi knappyhead - At this moment, your car is paid off. The only way the bank could come after you is if you don't complete your plan. If you didn't complete, they would have the right to come after you for the amount you would have owed if you had never filed. This was explained to me by Toyota who...

Congratulations for taking the first step to financial freedom. 3 years will go faster than you can imagine. Good luck to you!!!