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Vball
Registered User
Last Activity: Today, 07:59 AM
Joined: 10-21-2019
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  • Vball
    started a topic Job loss after Chapter 13

    Job loss after Chapter 13

    Is there a payment reduction after a job loss with chapter 13? My job is not very stable and I'm constantly worried about losing it. Not only that, the job is so stressful that it has triggered my depression and I was on FMLA for 6 weeks earlier this year, suicidal. Mental health-wise, I need to quit,...
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  • Vball
    started a topic Credit report not updated

    Credit report not updated

    We filed C13 at the end of July 2019, have made 2 payments (3rd due soon), and already had the 341 meeting. Today our actual payment amount is supposed to be finalized. I just pulled up my credit karma file and everything reads as $0 due except for collections, which shows $9700 due. Should I dispute...
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  • Vball
    replied to Junk Debt Buyers
    Just two weeks ago I got a letter for synchrony (amazon credit) that says they sold our debt. It was dated after we filed c13, and long enough afterward that they received notification. I didn't realize that they could sell that debt.
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  • This is our 2nd time to, we filed back in 2001. We make about the same as last time, but back then it was only my husband working and he had a better job with lots of OT, yet this time we don't qualify for a chapter 7. That's just as well, I guess, because from the little I understand, we have lots...
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  • It sure feels like it! I'm in a chapter 13 with no savings, and we pay out ALL our disposable income. I have no idea how we will pay for our car tags next month. And it's not like over the next 5 years that we won't have extra expenses, at my last oil change I was told I need two more tires - well,...
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