I believe the answer is yes the creditors who didn’t file a claim can come after a debtor, as the BK would no longer exist. Also the amount owed to all the creditors would be greater as accrued interest would be added. When you file, interest is no longer added as of the filing day..that changes if...

Congratulations for starting the process. It takes a little time after your case is completed before you can get back into the investment purchases. I think you might want to take one step at a time. Good luck as you get started.

Lol shipo - I was going to suggest your attorney must be using some of Colorado’s finest products. I too had a very high unsecured amount....

Hi - what does your confirmation order say? Some allow small amounts of credit to be used but most do not. If not, now is not the time. You may get bombarded with offers, but when your credit is run the creditor will find you’re in Bk and most likely rescind the offer. So many people want to rebuild...

Hi..hopefully this is a question someone knows the answer to since the Cares Act is so out of the norm. I may be wrong, but I don’t think this would be exempt. The money is exempt while in an account but once it comes out becomes money the trustee could want. Is there an attorney that your wife can...

Welcome...we’re here to answer questions or provide support.

Carmella Hi - banks believe they’re keeping us safe but sometimes they are just making dealing with them painful. I opened a new account while in BK and there was no issue. As JB said they may or may not use ChexSystems, but even if so, may not be an issue. I hope you’re doing well these days.

shipo - those look grear! Very yummy I bet 🤗...

Hi..do the best you can and ask your attorney for guidance. Your attorney will be pulling a credit report for you to verify all your accounts. Good luck getting your information together and starting the process! Welcome to this site!

Congratulations on completing your plan. I would wait until your case is closed but it will take a few months before you could be approved....

shipo -I totally hear and agree with you. I use the Experian free app and get monthly reports from them. I asked them once why I would want to give them my banking info (which they would use to access your account to scan for payment history) after they had one of the biggest data breaches!! I don’t...

Franco - Congratulations for making it to the 2 year point! It can be hard, but if you stay focused, budget and learn from the past you are on your way to success. It’s not always possible for everything to go smooth but it sounds like you’re on a very successful track. Good luck as your plan continues...

I can’t help thinking the attorney was estimating the amount ...,he/she can’t give the actual amount until all information is collected. The OP said debt was 50ish...

Hi..I responded to your other post. My only advice is to speak to a couple attorneys and choose who you feel most comfortable with. Be upfront during conversations and ask any questions you have. Good luck 😀

valerie724 ..welcome and congratulations on taking the first steps to getting your financial situation in order. If your debt is $50,000, other than trustee fee, you will pay no more than that amount. So what your attorney told you is correct. I was in the same situation..paid back a lot more than...

shipo - good luck as the hiring process progresses. I think disputing something on your credit report is a personal choice..I’ve done it, with no issue..but you have to make the decision that you feel comfortable with....

Hi shipo - that is a great update 😊. You still have a fantastic length of credit history so that’s good. Did you see the negative report regarding your wife’s vehicle before now? I wonder if you should put a dispute in with the credit bureau who shows this? Just mark it as “not my account”..can’t...

My attorney told me to complete both courses after we met. I finished them before the 341 mtg.
shipo - you’re just an overachiever 😀...

Hi Franco - congratulations for being at the halfway point of your plan. It sounds like you’re on track for never getting yourself in debt again - good for you. I understand your fear going forward but as a rule real estate is something that normally appreciates over time, you’re not throwing money...

That is such a hard question ..I’ve heard of people handling it both ways..telling and not telling. I don’t really know if there’s a right answer to this; I’m sure others will offer their experience. All I can say is good luck..this sounds like an incredible opportunity for you..and I hope it...