So, Barbisi asked me a very good question shipo : why are rust and paint/body issues a bigger problem/concern?...

dang. yeah, I am definitely in the wrong business LOL!
Yes, perhaps that's what happened. 6 minute minimum. I did think about this as a possibility to myself, though only with a heavy dose of sarcasm. But, maybe you are correct. Hope that's the only fee to deal with....

Thanks justbroke .
There are no arrears associated with the mortgage i.e. we were never late with the mortgage payment.
The bankruptcy department told me before, that the single $50.00 fee is for their attorney. Perhaps the attorney had to put in minimal effort.
Though, I just find...

Thanks shipo . how about "Krylon" spray paint? LOL!! Or a rust inhibitor? I do realize we will need to replace the vehicle but yeah not fond of spending money. However. A replacement vehicle loan could be considered beneficial, as we've read on these forums. It would count as one loan, for...

I called the mortgage lender bankruptcy department and asked if I could pay their attorney fee, which shows up on our online statement.
I was able to pay the fee ($50.00), but we'll see if it actually is credited appropriately. When I tried paying it a year or so ago (online payment), it was considered...

Check your email as well; it is possible your attorney sent you a copy of the confirmation that way. We retained every email and paper-mail correspondence. At some point we're going to have a "burn party".

Yep. We are at odds on the car though. Question is, would it be worth transporting the vehicle to another state, when we leave CO? Barbisi does not want to drive it, if given the opportunity, and I understand that. We have replaced the passenger visor 3 times which is really annoying. At this point...

I just want to add, that in the snow, @Barbisi's 2005 Sentra is a Beast! I love it... I know exactly how it's going to respond. My 2013 Sentra on the other hand, appears to be 'mentally challenged' in the snow. I just turn off the 'safety features' useless trash since they suck soooo baaaaad... and...

We did an appraisal at the old place (the train wreck, the money pit, that brought us here); the appraiser mentioned that for refinancing, appraisers need to be more 'critical' in their assessment of the home mortgage. So, keep that in mind.

moses911 - dang you've been workin hard the last 3 years! So I tip my hat to you... I know what it's like. So, if you have doubled your income, are you working 2X the hours? Our attorney told us, there is no motivation to increase income in a Ch13. Also though... there is more to life than money and...

Yes so in August 2020, we sent the tax return, then got a letter from the court, about the trustee's MOMOD, with intent to raise the payment to something like $1300 monthly. Our attorney mentioned he was surprised the trustee did not contact him first. We filled out the I&J forms again, with updated...

Scottowl , that is great news, that you are catching up on your mortgage! And also, glad to hear you also have a dog. ...

Congratulations karna68 ! We made our last payment recently as well....

Thank you Carmella ! And the final countdown has begun for you as well! ...

Thank you VolFan! ...

Scottowl - Hell Yeah!!! I am so glad to hear, you finally got some relief man. Do. Not. Spend. It. All. In. One. Place. KnowwhatI'mSayin? You may need it for something, or, many somethings. Anyway, I am very happy to hear you are finally getting a well-deserved break....

Yes, we were in that same boat for 2+ years: biweekly payments, with a monthly bk payment.
During the negotiation phase, we collected evidence and proof of medical necessities, fought Tooth And Nail for every half-pence.
When the dust settled, and we got what we called the 'bonus check'...

Update - we asked our attorney, who replied, indicating this form is part of the discharge documentation.

I would add: therapeutic - for mind , body, and spirit.

Oh Absolutely! The BKForum has helped immensely; it's a safe place to ask questions, express concerns, etc. about a very personal, private, sensitive topic: bankruptcy. Having a place to vent, even rant and rave if necessary, get things off our mind, sharing experiences and information, is very ben...