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switch625
Registered User
Last Activity: Today, 07:38 AM
Joined: 08-19-2013
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  • switch625
    replied to Nearing the end. What to expect.
    I'm a month ahead of you and not in a 100% plan, two payments to go. I'm tempted to pay it all off but want to be prepared for the emergencies that can happen even with two months to go. The day of the last payment will get here soon enough, that's my attitude.

    If you do ask your attorney...
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  • switch625
    replied to Help! What does this mean?????
    Looks like you are done to me. You may want to check PACER for the discharge notice from the court and case closure certification from the trustee. You should get the discharge in the mail from the court or emailed to you from your attorney anyway. Congrats! That will be me two payments from now,...
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  • switch625
    replied to Early payoff??
    I'm in an identical spot and been tempted tp pay the whole thing now with two payments left, but I'm concerned that would trigger what Sophie says, that you still owe the remaining payments. My plan is for the final payment to be sent the first of new calendar month or the day after a new payment month...
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    Last edited by switch625; 09-07-2018, 11:02 PM.

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  • switch625
    replied to Everyone is an armchair attorney!
    Only two people outside my house (other than those involved in my BK) know that I filed, and one of those two told the other, Well, when two people know a secret, it is no longer a secret, right? The person who found out criticized me too for not going for a 7 and was going to ask a lawyer friend how...
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  • Nothing for you to worry about. The only thing you needed to do was provide accurate info at time of filing. The rest is on the new creditor, your attorney, Trustee and the BK Court. The new creditor will file a POC and you will pay someone for the next 3 to 5 years you never owed money to in the first...
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  • A hardship withdrawal is treated like a distribution because it is not a loan (and you can take out loans on the TSP), it's not something you pay back.. I received 1099s for the hardship withdrawals and had the choice of having tax withdrawn from them or not. Hardships withdrawal are granted for limited...
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  • switch625
    replied to Yet another question.....
    The courts won't say anything to my knowledge, but an employer would only find out if they did a credit check, a public records check, background investigation for government employment, (especially for security clearance) or if they receive a wage garnishment order and in the case of all of these,...
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  • Your home equity is not disposable monthly income. Your base is your monthly income minus monthly expenses X number of months in your chapter 13 plan.
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