If you qualify for membership to Navy Federal, they are BK friendly even with a non-discharged 13 and their $200 secured credit card could become $2000 unsecured in just six months. I would stick with the minimum deposit because if it is too large, it may exceed Navy's limit for BK folks which may make...

No, it depends on your specific trustee and court. The limit could be zero. It could be higher than $1000.

I also strongly discourage you from using PACER because it isn't hard to accidentally do a search that costs serious money. Just ask your lawyer for the confirmation order. It will take him two minutes to get an electronic copy from your file. If you want to learn PACER, do it at the federal courthouse...

It's really different from one person to the next. You had it very hard with a difficult trustee and I'm very happy to see you freed from debtor's prison. Meanwhile, I have it easy and it would take an asteroid strike on the Earth for me to fail my 13.

I have a friend in the same district,...

I hope you didn't drop the partial payment in the mail already.

When you call them for anything, always ask for the bankruptcy department. You need to know their hours, which might not be the same as the rest of the lender. Don't even say hello or ask the phone agent how she is doing. Ask...

Let your lawyer do his job. You might not get 100% of what you want, but that is the art of compromise and the cost of doing business.

Under ideal circumstances, your lawyer will not allow you to put expenses and other things in the plan that the trustee will outright refuse. Over time,...

I'm not speaking for shipo's case.

Let's see, I incurred $16k in legal fees so far in my ch13 so I think I know a thing or two about legal fees. In a <100% plan like mine, the regular work to maintain the overall plan can be paid out of the unsecured creditor's dividend rather than...

Yes.

But before you try to open an account, order your Chexsystems report. After you receive it, dispute all negative entries for the reason of bankruptcy and put in your case number. You don't have to wait until discharge....

MOMODs cost money, time, and they're almost always contested by debtor's counsel. My BK lawyer has practiced for 30 years and never received a trustee-initiated MOMOD based off of a tax return. The trustee does chase tax refunds, which to me is preferred vs chasing wage increases. I've gotten pretty...

Not exactly. The interest rate on both of the pre-petition mortgages were much higher and one of them was adjustable as well. The HELOC was going from minimum payment to full amortized payment as well while in the 13, which could be fatal to making 13 plan payments.. I changed both to a single loan...

Year 1 is pretty tight for bi-weeklies waiting for the 3 paycheck month. It is what it is. It gets better if you get a raise after confirmation and if the trustee doesn't try to go after your raise every year....

All of my junk debt buyers filed proof of claims. All of the secured creditors filed too. The vast majority of my non-JDB creditors filed claims too. For some reason, your lawyer has hope that your results will be a lot better than mine. I guess some of your creditors tend not to file proofs of claim...

Scottowl Remind me why the FHA COVID forbearance and partial claim/COVID loan mod weren't pursued. I don't remember if the arrears started before or after March 2020. That would have been the easiest way to resolve your mortgage arrears.

Generally, it's a lot easier to deal with the mortgage...

Every trustee is different, but the insurance money sounds like bonus money to me if you don't spend it down in a legitimate way. If you can afford to replace the contents, paint, and pay the electric bill prior to receiving the check, you can afford to give all of the non-exempt portion to the poor...

Lender's brief in the above case:

https://s3.amazonaws.com/ClubExpress...f_ACBC_Luu.pdf

Nothing you said so far concerns me as far as the amended schedules or what happened to the $43k. As long as you spent it down to the extent that it exceeds exemptions, just provide documentation and move on.

Thanks zombie for the refer. I didn't see this one too.

Is the house in good enough condition with no health and safety issues to survive an FHA appraisal? That's my biggest concern. Sometimes you will get lucky and get a guy that wants to be gone in 20 minutes and give you the same quick...

Carmella Sorry to hear about catching COVID. Very contagious. I am getting tested today too because of suspected COVID/flu/cold. Glad you can borrow PTO for COVID.

I learned a lot about which bills to delay mostly from my pre-BK experience when I had eight creditors sue me and one of them...

How'd you get around the equity and expanded homestead issues? Is this a dismiss and file 7 or conversion? Like I said before, I'd be scared to do a conversion without declaring the expanded homestead in the 13 with no opposition before converting.

Why can't you dismiss the 13 and start over with a brand new 7? That's a question for your lawyer. I probably wouldn't risk a conversion of 13 to 7 in case the homestead exemption isn't allowed to be updated. Once you are in a 7, you can't get out without the trustee going along with it. California...