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switch625
Registered User
Last Activity: Today, 07:04 AM
Joined: 08-19-2013
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  • I've never been through a Ch 7 341, I've been through a Ch 13 341 and I don't know what made your 7 341 difficult. The Ch 13 341 meeting should be easier because you are paying back $$. I would think that any pushback you should get from the Trustee will be technical issues, proper documentation, and...
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  • switch625
    replied to Almost done
    it wouldn't hurt to call your attorney and find out, but I just made my 60 payments and no more without asking whether or not to send another payment. Got a refund of the overage from my Trustee about 1.5 months after I made my 60th last payment. My clue I didn't need to send anymore $$ was the mortgage...
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  • switch625
    replied to Creditors failing to file a claim
    About half of my unsecured debt went claimless, but since I did not have enough have enough disposable monthly income to pay 100% of the remaining claims, I stayed a DMI (non %100) debtor for all five years, so no effect. Some have been more fortunate and went 100% (and maybe complete their plans sooner...
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  • switch625
    replied to Confirmed!
    Congrats! Now your Ch 13 had reached cruising altitude and is on autopilot. Hope it stays that way for you. Just be familiar with the terms of your confirmation order.
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  • Question About Car Loan Mail Solicitation Post-Discharge

    I have received letters from two local dealerships inviting me to visit them to apply for a car loan. I don't any intention of visiting them and using their financing which appears to be sub-prime anyway, but one thing both dealers ask for (they use the same form letter) is "six complete references"....
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  • switch625
    replied to Mortgage Lender Change
    My mortgage was sold last summer. I think both companies informed the court but the new company made a number of filings. The new company should be mailing copies of the pertinent documents to your attorney as per regular service of documents, motions, etc. Your attorney and trustee should be listed...
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  • switch625
    replied to Shameful questions
    None of my credit card purchases were ever questioned by anyone, not my attorney, not my trustee or the creditors. I had over a dozen credit accounts too. I was careful not to use my credit cards less than 90 days before filing. By that time, I stopped paying them anyway.

    Aren't the purchases...
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  • switch625
    replied to Discharged!
    In related news, the order to close my case was filed today, so the judge has ordered the Trustee out of my financial affairs! To be fair, my Trustee has been very good to me and my case.
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  • switch625
    replied to Just joined the club! Discharged!
    Congratulations on completing your 5-year journey and welcome to the discharge club! Good to see everyone crossing the finish line.
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  • switch625
    replied to 2 years complete
    Congrats on 2 years! Good luck to you for the rest of the way.
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  • switch625
    replied to Finished?
    So in your district, a report is issued, then a final report and then the discharge? For me, no initial report filed. It was final report, objection to discharge 14 days after final report notice and 30 days to object to final report, with discharge order occurring a week before the final report objection...
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  • switch625
    replied to Can’t get approved
    I got approved from Cap One two days after discharge. I may try the secured Discover Card later on, by my spouse and I each had their cards and burned them. After 5 years of cash and carry and Ch 13 living, I only want enough credit access to rebuild credit and for emergencies.
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  • Are you paying back 100% of allowed claims? In my neck of the woods, I've seen debtors paying at less than 100% pay off a few months early, file motions for early discharge and trustee made them wait until their 60 months was up. I paid off a month early in November '18 before the 11/18 monthly disbursement...
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  • I've been researching credit rebuilding. So I decided what the heck and see if I was pre-qualified for a CapOne CC. It said I was and then read the section on their disclosure statement what would disqualify me. Non-discharged BK was one of them. I did not burn CapOne and I have a CapOne bank account...
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  • I haven't sworn off credit cards, but I have resolved never to use them again in the manner that I did pre-BK, which got me into BK....
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  • I am in no way an expert on contractors who file BK nor have I had that experience of having a contractor as a creditor in my BK or having a paid a contractor who did not finish work, but I'm going to throw my thoughts on the digital wall and see what sticks. You can always file a proof of claim with...
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  • switch625
    started a topic Discharged!

    Discharged!

    My discharge order was filed tonight! Five long years plus a few months now behind me. When I look back I do wonder how I did this thing for 5 years, how I made it through. Good luck to all of you who are in Chapter 13 plan and many, many thanks to all of for you advice, knowledge sharing and support....
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  • switch625
    replied to How likely...341 questions??
    I don't recall being asked about credit card payments beyond 90 days prior to filing. At that point, I was still on the fence about filing the 13.
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