I actually love this post! Stand up!...

Sorry to read that. I would still send a Qualified Written Request, Request for Information or Notice of Error as applicable to your situation, under RESPA....

I posted it here because I thought that they might be helpful to some pro se litigants. I did not know this about electronic filing and I thought if some could reference the Supreme Court rules, they might get a better chance getting a local judge to allow it. The self represented's ability to file...

Supreme Court Approves Amendments to Bankruptcy Rules; Those Amendments will go into effect on 12/1/18, unless (very unlikely to happen) the US Congress disapproves those Amendments.

The U.S. Supreme Court earlier this year approved amendments to the Federal Rules of Bankruptcy Procedure...

Awesome post! Thank you!

You know, this makes me wonder, can a pro se debtor deduct his expenses as administrative fees? Because these mailings can get expensive....

I'm not sure about the other southern states but here in Georgia it's a creditors and not consumer friendly state and that's the result. When a lender or it's assignee can foreclose in 30 days, that's scary!

Actually all states that you list are non-judicial foreclosures states and I'm...

This is probably an advanced topic but I'm wondering if in certain instances, like in mine where I'm currently insolvent, have home equity, an inheritance coming in an undetermined amount, and a settlement in a lawsuit in an undetermined amount, could it possibly beneficial from a tax standpoint to...

I did back in December of 2018. Of course the mortgage servicer materially breached the contract something like 16 times and refused to correct it. I'm relying on the first breach rule in my state to cover my butt and if all else fails, they'll get arrearanges in a chapter 13....

I'm glad that you have a great relationship with your mortgage company but business is business and at the end of the day, they will do what is best for them and you should too. I don't know why you can't add them to the bankruptcy. And what they may be telling you about the forbearance could be BS....

I see that I may have missed responding to flashoflight. And thank you for posting this by the way. I caused me to actually research what you posted.



I think you meant if it goes bad. Of course it can. But it may not.



You can most certainly convert...

I to am a pacer addict but I'm all over other people's cases lol. FYI, Pacer lowered their fees probably in response to a lawsuit. Here's an article: https://www.abajournal.com/news/arti...retired-judges

This interesting... Can a jointly filed case be bifurcated from the beginning? Or does bifurcation happen by motion or amendment after the fact when circumstances arise?

For those that like reading cases, here is an interesting argument made by a creditor in a bifurcated case: https://...

Interested to know how they discovered the high ticket items. Guess they went through your credit card purchases from the last six months? That sucks....

I have a complicated case and having a hard time finding an attorney. I'm working both angles; looking for an attorney and getting it ready to file myself if I have to.

What kinda balances were they that sued? I heard Cap. One was the one most likely, Chase least likely....

I did not know that demo existed thank you so much! You don't have the excel spreadsheet do you? I would love to see it. You should be able to upload it to sheets.

Here is another tool that is useful. https://tryascend.com/qualify/bankruptcy/ch13/precise....

You realize that part of my post was in jest right?

One should be entitled their actual expenses spent on that particular category backing it up with proof that they actually spent that much over the last 6 months. Using QuickBooks or Quicken helps a lot. Payroll checks should be broken...