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mel22nv
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Joined: 09-30-2019
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  • mel22nv
    replied to Payment #60 was Today
    Congratulations on completing your Chapter 13. Ultimately as much as I complain I know that has got to be the best feeling knowing you completed something that was very hard and voluntary. Awesome achievement and a great way to start the new Decade!!!!
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  • Thank you justbroke and thank your step son for his service as well. My hope is for the same that I can dismiss and refile a Chapter 7 using the Haven Act provisions. I'll update once I have some news....
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  • Thanks justbroke trying to come up with strategies that's for sure. I'll update the post, wish the new law (Haven Act) was around when I filed, happy for all my veteran friends who was able to get a chap 7 but for me this really do suck. Funds are so tight hard to live and for all I gave up by serving...
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  • Thanks justbroke my atty suggested we try to modify the chap 13 plan to pay more to mortgage arrears less to IRS hoping that the arrears will pay off within a few months then try to modify my mortgage stating it maybe easier? They were checking with trustee office to explain that I am not tax exempt...
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  • mel22nv
    replied to Dismiss Chapter 13 or Keep Plugging Away?
    Thanks for responding currently going to try to modify my chap 13 plan to pay more toward arrears less to IRS to hopefully get mortgage arrears paid. I'll update my results!
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  • mel22nv
    started a topic Dismiss Chapter 13 or Keep Plugging Away?

    Dismiss Chapter 13 or Keep Plugging Away?

    Any idea if I dismiss my Chapter 13 if my mortgage company will work with me or will the arrears just be due ASAP? Should I try to modify? Its a VA Home Loan mortgage co is Mr Cooper; never tried to modify have no clue how it works I think mortgage arrears is about $7K owed. Should I try to modify before...
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  • Any idea if I dismiss my Chapter 13 if my mortgage company will work with me or will the arrears just be due ASAP? Should I try to modify? Its a VA Home Loan mortgage co is Mr Cooper; never tried to modify have no clue how it works I think mortgage arrears is about $7K owed. Should I try to modify...
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  • Yes thats right I will have to dismiss and refile as chapter 7 not convert. Not sure if I'll do it; right now just contemplating I think I just want it to be over (my chapter 13) weighing my options but not rushing into anything!
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  • I'm about to look into converting my Chapter 13 to 7. I am the Veteran my only taxable income is my retirement; I'll update with a post once I move forward. I just need to make sure my mortgage arrears is paid first! Fingers crossed this will get me out of 13 into 7
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  • mel22nv
    replied to Contemplating Dismissing Chapter 13
    Thanks for responding Des, I'm in FL Middle Dist BK Court. I am under a confirmed plan, I don't plan on filing to dismiss until I know I have mortgage arrears funds on hand. As for my car its being paid via the plan as well I paid too much so its not something I plan on keeping. I was awarded SSDI...
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  • mel22nv
    replied to Contemplating Dismissing Chapter 13
    Thanks despritfreya if you have anything to add but yes JB covered the issues. I guess there's no sure way to find out until I pay mortgage arrears and dismiss Chapter 13. Looking forward to hopefully a fresh start in 2020!...
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  • mel22nv
    replied to Contemplating Dismissing Chapter 13
    justbroke Thanks for responding I know the funds the trustees holding are not guaranteed to be that amount, I just made my Dec payment but I really think I maybe able to get the mortgage arrears paid, Here's to 2020; guess time will tell me when to go for it!...
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  • mel22nv
    started a topic Contemplating Dismissing Chapter 13

    Contemplating Dismissing Chapter 13

    So I'm contemplating dismissing my Chapter 13. Currently the trustee have a little over $6K in holding funds. My mortgage arrears is a little over $6K. I want to dismiss the Chapter 13, get my mortgage arrears paid up and refile a Chapter 7. I'm retired/disabled veteran. In May 2019 the Haven Act...
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