My attorney also told me to stop paying. He said that it's literally throwing money away if you're going to file anyway....

So, when does this start? And if it's a deferral, does anyone know when it will come due? At tax filing in Apr 2021? If yes, I'm going to tax myself and save the money for my tax bill!...

Great solution! I'm glad that worked out for you. How much will you save compared with paying the next 12 months? Or is it a wash and you're just taking the hit from your 401K?

I assume that I basically don't exist to the trustee as long as I make my payment on time every month. I'm not required to submit tax returns, so I just quietly go about my life. Take 1 vacation a year (except this year, ugh, COVID-19!) and save for my kids' college expenses. I live a quiet life, list...

Yeah, home ownership is probably not in the cards for me for a very long time. I've got two to put through college and I'm a single parent. So... yeah.

Thanks, sophieanne. It's been a process and I'm finally relaxing enough to think it's OK to have a $25 lobster roll for dinner as a treat. I was so militant with my budget. I am still militant and look at it every day and make adjustments, but I allow myself some room to do some things. I used to have...

Yeah, I moved into this great place... and now my office is in my bedroom because I didn't anticipate WFH this long. It's just me and my son & daughter, but it feel pretty crowded!

I live in MA 'burbs, so a nice apt is pretty expensive here. Not sure where you are in NH, but I assume...

Hey, I realized I never updated this post. I was approved to rent the apt, but due to the BK, I had to pay first, last and full month security deposit. Yikes! That was a lot. (over $7K!). For good-credit people, they only asked for $1000 security deposit plus first month's rent.

Anyway,...

I'm 70% done with my Chapter 13 plan. I've run a super-tight budget and have saved a good amount of money. I've been fortunate to get promoted twice over the past 42 months. I considered reporting the raises (there have been 2 since I filed -- one in 2018 and one in 2020), but when I filed, my attorney...