I have never had a car lease (although we did foolishly buy our current house with a solar panel lease which will make selling this house much harder in 2022 when this BK13 should end.)Unfortunately, we didn't realize we should have bought a car before filing; my car now has over 200k miles on it and...

In finality about HOAs, I think I would have to be pretty desperate to buy a HOA home - I may be wrong , but I believe in nearly all states (and overseas properties) older (before circa 2000) communities still exist that don't require buying into a "lifetime" HOA commitment. (Much like the...

Jb, I second that - we realize now we should have just kept renting until we came to the conclusion (as we have these last hard 4 years!) that what we really wanted was to relocate! Getting a 401K loan as a down payment on a run down house that could only lead to a five year BK13 was the dumbest decision...

jb, I wish we had not taken out a 15 year 401K loan to finance that awful house! We are scheduled to be able to pay it off in 2029. But, if we can sell this current house in 2022 and make a "decent" profit like virtually every one else in Colorado has been able to do, then our plan is to...

Carmella ,that is wonderful news! But like sophieanne remarked, it does come from a sad source.
Hopefully this little windfall will shorten the length of time (and the interest ) you have to pay on last year's tax bill - my husband originally thought we would owe $2500 ,but he was able to whittle...

bcohen, I'm sure we can find another home down the road with out having to get trapped in a HOA! We simply chose a shabby investor home we couldn't afford to fix up and that is why I'm stuck in Colorado in a BK13 until 2022. I can't speak for you and your sweat equity abilities but my husband and I...

Thanks to you both!
jb, yes hardwood floors can be nice. In fact, the Shack had them and the floors (aside from the kitchen and main level bath) were the only thing we didn't have to gut when we did the whole house renovations that drove us into BK13.
Also, finding the right tenants would...

Wow, again I have to say jb you really know your BK facts!
While I don't know much about all the 2005 changes, I only know I wish we were done now , instead of 2022!

Thanks, jb!
Your insights as always are priceless! Yes, I do remember R. offered something like that each time we relocated. And yes, I believe such offers are now mostly a thing of the past.
We will have positive equity but it is near impossible to predict what houses here will be worth...

As much as I hate my own BK13 (for reasons unrelated to the monthly payment plan amount) ,your situation is enough to drive any one over the edge! $2000 sounds unreasonable , untenable and totally ridiculous!
I hope you can free yourself from these nightmare fetters soon! Best wishes on a better...

leemo 1980 I hope you get out from under this soon!
Good luck selling your home and getting the "new" car you need -we will be in the same boat in two more years. I hope trustees aren't allowed to hold up closings this long in Colorado! ...

I have questions and need advise about how to co-ordinate my husband's job search and selling of the house with the closing of the BK13 after Jan./Feb.2022.
When should he start looking for a job -six months prior? How to negotiate a better relo package and more time (if he lands a great position...

Woman on fire, I wasn't trying to scare any one about BK13 .I was just expressing my frequent frustration at being trapped in a state I literally grow to hate more each day. Whether it's the constant up and down temps, ever present dryness and blinding sun and crippling altitude (which causes me to...