Exactly, shipo! The sooner we "unload" this house on some one who is financially able to fix everything that is going to need repairs in 3, 5 or 10 years time, the better off we'll be. Trying to live here for 2-3 years or longer, just so we can fix everything like good, conscientious sellers,...

Well, jb, if we want to sell the house and receive some money, instead of just letting it be foreclosed on, we are not going to be to able redo all the plumbing,etc. (i.e. build the buyers a new house!)
It's not a crime to sell the house "as is" (That's how we got into BK13 in the first...

I hadn't had a chance to update everyone on what we were told about tricky tactics used by the company originally hired to clean and scope the sub-main kitchen/washing machine basement line.
Our current realtors warned us that this company is known for "up selling" repairs and services...

Hey flashoflight , not sure about the non-exempt property amount -the attorney told us we had a 75k exemption. When we filed we had virtually no equity because we had only put down the minimum amount allowed and only made three payments when we had to file. Now we have made nearly four years of mortgage...

Thank you both for your supportive comments!
Carmella, I know you guys have had a super tough time paying back 100%! But at least as you said, they can't ever raise your payment. And I'm glad you understand how worthless a solar panel lease is and that you will never fall for a glib salesman's...

Well,NoMoney30, actually we're three and a half years in, and last year my husband was laid off but promptly got a new job with much higher gross pay but quadrupled health care premiums. The net pay was not that much more (like your situation!) yet the trustee claims we have $800 DMI. (He did include...

Our lawyer told us he "rarely ever saw" such a high unsecured petition amount ($134,000,$109,000 of which actually made it into the confirmed final amount) So he was trying to "shame" us about the CCs used to fix up a money pit that we lost 100K on. (See my many posts about how we...

We used to get offers in the mail every week from a knock off of Capitol One (similar name but low credit line and high fees). I think they stopped earlier this year. I believe our credit scores are around 700 now, so that may be the reason or because we just never replied!
Good luck on hopefully...

Well jb, I guess we'll just have to wait (and hope) we will pay enough to satisfy the base payment amount (what ever that is!)
I definitely don't expect an easy discharge or easy closing -we'll have to fight tooth and nail to regain our financial freedom -maybe it'll take years like the guy...

Thanks jb!
I think adding the lawyer fees to the $930 new payment would just allow the trustee to collect an additional administrative fee. I think paying the attorney separately is all we can do.
We shall see what further increases lay in store for us next year. This should end with the...

NoMoney30, if it's any consolation,we are in the tail end process of a contested BK13 payment increase which likely now will include lawyer fees paid outside the plan (otherwise we would probably have to pay as much as the original modification amount. Then what's the point of objecting at all?)...

Hey, jb, I don't see see how we can do that since this lawyer already said that his fee would be additional -I don't know how to get him to do that when he claims all this increased payment "has" to go to the creditors! He knows we don't have hardly any money to pay him and he already said...

Thanks jbfor replying but it sounds like the attorney's fees are excluded from this counter proposal because there is a minimum fee to be paid to the creditors leaving us to be rooked yet again!
No wonder we aren't quite enjoying our BK13 like everyone seems to be on these forums!
As you...

The attorney contested the $460 monthly increase (as posted on another thread) and now the payment will be $90 less . But we have to come up with $371 more now to make up the payment for Sept. ($930 total). That is going to be rough enough but now we appear to be on the hook for even more money than...

Well, shipo when this BK13 ends (if the trustee allows it to end LOL!), we will have no debts comparable to your sad situation - just a house with burgeoning issues and a mortgage that increases every year with out fail (now $2400 (with the solar panel lease fee included ).
This is simply not...

We had planned to sell in 2022 on the competitive market but it is now clear due to yesterday's sewer revelation we would have to fix this first along with a whole host of system issues to be able to pass inspection.Then there's the solar panel lease to deal with.
Has any one accepted one of these...

We pay $75 a month for the panel lease and I personally hate them and would have them removed were it only possible!
They don't save anything and they prevent home sales!
I wish you could buy this house and enjoy them to your heart"s content! LOL...

You are right about the attorney jb!
I have long suspected that because we weren't able to properly plan for this BK13, and this attorney is in the Hyatt Legal Plan which pays a flat $1500 fee. He told us recently he charges $300 per hour and he seemed bemused that the creditors will be footing...

We don't own the panels - we bought the lease with the home, jb!
That's why it is going to be so hard to sell this house : people are too smart to get stuck with a solar panel lease until 2033!
As for the rest ,what do you think about selling as is? (The sellers spent virtually nothing on...

I am wondering if a sudden and total breakdown of all the houses' systems prevents us from selling this home in 2022, could Tesla force us to file a second BK13 to rid us permanently of this solar panel lease which in effect until sometime in 2033? If we let the house go into foreclosure,would we still...