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flashoflight
Senior Member
Joined: 10-25-2019
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  • Make sure you tell your attorney EVERYTHING about who you're trying to support.

    If you did, either he told you you can somehow fit everything in or your plan is infeasible without cutting someone off. You can't offload your expenses to American Express anymore in order to help out xy...
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  • Yeah, chapter 13 is sometimes the medicine you need to turn your life around.

    Chapter 7 veterans often learn nothing from their experience and repeat many of the same mistakes. I see so many go to myfico and start their credit "rebuild" right away making the same mistakes by...
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  • Watch out for student loans. Unless you enjoy a second trip back to these forums with non-dischargeable student loans, don't do it. Try to do as much as possible via nearly free California community colleges and pay with cash or grants. There are a very few areas of study that are worth it for student...
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  • I would love to do a strategic forbearance but yeah I'm too scared it will backfire on me. My planned refinance already gets me 2 skipped mortgage payments without all the headaches of forbearance. Hopefully someone more brave or more desperate than me will try forbearance with ch13 and let us know...
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  • bump to the top above the locked thread
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  • You should try to avoid spending $200 on the appraisal.

    Give them the repair estimate from the dealership and put down KBB private party Good minus cost of mechanical repairs. Or use the "Fair" value with the repair quote attached. Hopefully the trustee will realize that there...
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  • Doesn't the car need work? Alignment? Worn tires? Worn brakes? Dents in a quarter panel or two? Seems like an awful amount of work for both trustees and debtors without benefit to the estate.
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  • Chapter 13, Post-Petition Mortgage, and Forbearance

    I know that mortgage payments have to be made throughout the plan. Not making the mortgage payment results in a relief from automatic stay and a material breach of the confirmed plan. So you lose both the discharge and the house. I'm unclear on the rules for forbearance and CH13, but I'm too chicken...
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  • You and Dave make it sound easy. Like I said before, we know his plan so you need not explain how it works. You need to address why Dave's plan is better when it's far easier and quicker to file bankruptcy, especially chapter 7 but even chapter 13 is far superior to Dave's snowball plan. Don't dance...
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  • Most of us here know the ins and outs of Dave Ramsey very well. So you're really not telling us anything we don't know.

    He's actually got a lot of good advice which is very helpful during a chapter 13 repayment plan. It's not worth it to go to the court to incur new debt (other than a...
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  • flashoflight
    replied to Arbitration Information!!!
    In my county, it was taking around 12 months to get to trial without arbitration. That was all the delay I needed to file BK. My most aggressive lawsuit opponents were Amex and Discover as original creditors, so they had deep pockets and wouldn't necessarily be dissuaded to go all the way. I was not...
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  • flashoflight
    replied to Arbitration Information!!!
    Yes it's still a somewhat working strategy. Check out credit infocenter forums. I found it way too time consuming to go this route with a day job which made resolving this debt (and every other debt at the same time) via chapter 13 much more appealing. I was also sued by multiple creditors, so I wasn't...
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  • Your current plan is a giant disaster without new housing and employment. And I'm the type of person who recommends BK a lot.

    One way to deal with a CC lawsuit is to let them get a default judgment. It's a lot of work to do pro se to delay your case and costs you some coin in court fees....
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  • Forgot to add if you have a new 12 month lease and no rent arrearage with the new landlord, I'd just suffer amnesia and have them as an unlisted creditor. I know you're not supposed to do that, but yeah it could be bad if they find out you declared BK. Up to you. It's post petition debt anyway going...
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  • If you weren't behind on your rent, you don't need to send notice to your landlord on a month-to-month. Your landlord won't know about the BK which is definitely desirable. But that's not your situation.

    Since you have a rent arrearage, you'd want to have already moved out to another place...
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  • flashoflight
    replied to Filing and automatic staty
    I'm talking about post-petition debt like your landlord for next month's rent, hospital bill after you file, car accident you caused which is above your liability limits etc. With the current landlord building post-petition rent arrearages, that's why I think you need to move out after you get some...
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  • flashoflight
    replied to Filing and automatic staty
    Lawsuits must be paused completely when the automatic stay comes in. Opposing counsel can't risk something happening in state court such as some action being granted by the judge without a hearing so they will file a motion to dismiss the state court action. Trust me... they will make the lawsuit go...
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  • flashoflight
    replied to Filing and automatic staty
    Actually, you need to CALL opposing counsel and give them the case number right after you file. Make them do all of the work. Since opposing counsel opened up the can of worms by suing you, they get the responsibility of cleaning it up like filing the motion to dismiss. You'll mail this creditor just...
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  • I give my chapter 13 a disguise. It's a Dave Ramsey plan where I get to do the "debt free scream" in exactly 60 months. Only my closest friends know it's actually a chapter 13.

    PACER is not user friendly either. Before COVID, it was clear the court clerks weren't going to help...
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  • Pro Tips When Calling the Mortgage Lender for Anything

    1) When you call your mortgage lender for any reason, you always want to use the bankruptcy department's phone number and only use that when calling for anything. If you talk to the regular department for customer service, they will always have to transfer you back to the bankruptcy department. ...
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