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flashoflight
Senior Member
Last Activity: Yesterday, 08:44 PM
Joined: 10-25-2019
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  • flashoflight
    replied to Notating Bankruptcy Exemptions
    Whenever you need an example, you should do the following: Find a couple of good local bankruptcy attorneys and use PACER to look for their 13 petitions. You will run up a serious PACER bill very fast because each petition is 30+ pages so I'd suggest visiting the federal courthouse to make these searches...
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  • flashoflight
    replied to Question Payment plan
    Not possible at that price in my area. The quoted price on the phone or Internet won't include the market adjustment fee or all of the extras you don't want. They'll let you walk out the door if they think they can't convince you to pay the markups....
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  • The system is designed to not allow you to manipulate your finances so that you can soak up all of your disposable on the eve of bankruptcy. There are certain exceptions to that rule you can do on the eve of bankruptcy like adequately insuring your car with the lowest possible deductibles and adding...
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  • The practice of my attorney is to pick up the phone and call all of the lawsuit creditor's law firms and inform them of the bankruptcy. This is on top of mailing all of the creditors. It is the responsibility of plaintiff counsel to ensure that their case is actually paused for the duration of the chapter...
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    Last edited by flashoflight; 09-13-2022, 10:48 AM.

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  • You are sadly mistaken as far as the dealership. You may get lucky once. But they will eventually get your car at the dealership if you keep taking it to the dealership prior to filing bankruptcy.

    This is how it works: You go in for service. The dealership records the visit to databases...
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  • flashoflight
    replied to Wildcard chapter 7
    A lot of us don't have access to the federal exemptions including me so I don't want to say whether your interpretation is correct. Some of us in California do have access to the state wildcard exemption and you can try to fit anything into it including a boat, ATV, a home you don't live in, or whatever....
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  • flashoflight
    replied to YNAB for Budgeting During Ch 13
    YNAB is complex and their documentation sucks. There are YouTube videos by 3rd parties that make it a lot quicker to learn and I would highly recommend YouTube for this. It's a ton of work to setup and still takes quite a bit of time to maintain. I'd use it for a couple of months and then forget about...
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  • flashoflight
    replied to Old car included in the petition
    This kind of question is one of the disadvantages of being pro se. Technically you're not supposed to sell property of the estate without permission of the court and the trustee. In reality, it depends on the trustee and the language of the property vesting back to the debtor. In my area, you must get...
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  • flashoflight
    replied to Federal Exemptions Wildcard?
    If you have way more time than money, go to the federal courthouse and get on the PACER terminals for unlimited free searches with the names of the most highly regarded local BK attorneys that don't run a BK mill and does 13s. You're looking for a petition or two where the federal exemption was used...
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  • Let your attorney handle this. This is not your job. He will loop you back in if he needs the voicemails, email, postal mail, or texts.

    If you added this creditor late after filing, they are still subject to the automatic stay but the creditor's systems may not be able to handle late filed...
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  • Zip code prone to more accidents, thefts of catalytic converters or vandalism in the zip code, higher claim rate by people in that zip code etc. That's when you have a spotless record then try to change insurance to find out every insurer is expensive. I live in an upper class neighborhood with exceptional...
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  • I thought I was the only one with a $2k/year policy. I've shopped around too. Clean record. Auto insurance is unreal nowadays. I'm pretty sure I have a zipcode penalty....
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  • flashoflight
    replied to Payroll deduction process
    Did your mailed payments go to Memphis, TN? Did the BofA payments go through as an electronic payment or the mailed payment with paper check where you have to initiate the billpay a couple of days in advance instead of one day? Maybe my trustee is using the same lockbox service and I should try it ...
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  • flashoflight
    replied to Buying a compact car
    No Toyota dealer in my area will sell any new Toyota to you at MSRP except for one. The other ones will say yes to MSRP on the phone and tell you a different story when you get there. You will pay an adverse market fee or they will strong arm you into buying paint protection, etc. you should not purchase...
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  • No, I would not take the car to the dealership. Wait until you file the 13 and then do it.

    If it is not warranty service, you are lighting money on fire by going to the dealership instead of an independent mechanic.
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  • flashoflight
    replied to Chapter 13 and lawsuit
    I would not tell creditors with no pending lawsuits about the bankruptcy. If they catch wind of it, there may be a race to the courthouse and try to get a quick default judgment. A lot of people get depressed or can't pay the retainer to BK and that's extra time to sneak in a judgment and maybe even...
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  • flashoflight
    replied to Payroll deduction process
    Some trustees have mandatory wage deduct. Some do not. We don't have wage deduct in my area. You pay every month by mailing a cashier's check or TFS....
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