In California I might accept that; but for a Corolla in Texas? Nope, not buying that argument.

Welcome! Lots of us here have done the Chapter 13 journey; let us know if you have any specific questions.

You can get a brand new Toyota Corolla for about $21,000. This is the car I wish I'd bought before my Chapter 13; yeah, it has almost zero panache, but it will do the job quite nicely.

In my case, I was definitely speaking from the perspectives of emotional, spiritual, financial, and pretty much every other "*al" out there. Considering I'd gone from a very comfortable family life, living in a nice home in a very nice area, driving nice cars, and generally living large, to...

In your shoes I would do everything as you are doing it except the car; I would opt for a lower priced new car, with extended warranty which should both make sure you'll make it through the five years, but also lower your monthly payment. Had I done that prior to my Chapter 13 I would have come out...

Speaking strictly for myself, things are way better after the bankruptcy fell off my record than at pretty much any time for the last 20+ years.

Be careful about reducing your W4 withholdings too much; many Trustees will then grab your tax return. The best is if you can set your withholdings such that you owe like $10.00 each year....

I would be very leery of such "Debt Management" companies, other sites have HUGE quantities of horror stories on these outfits; that plus, there is nothing they can do (legally) which you cannot do yourself.

Keep in mind debt settlement is a double edged sword; yes you get a reduction in the amount you owe, however, the IRS considers that forgiven amount "income" and taxes it at your highest fractional rate. Regarding "debt management", I'm not sure what that is.

The WDO varies by Trustee; many here had a mandatory WDO, others had an optional one, in my case, a WDO was not available and I paid the Trustee directly....

If you didn't open the accounts then the signatures on the contracts are not yours; ask for copies of the contracts and tell them the signatures are not yours.

If anything, Rent Reporting will not matter at all, or it will be a beneficial thing for your credit score. I'd be inclined to go for it....

One main benefit you missed, by filing a Chapter 13; as I understand it, interest stop accruing on the unsecured portion of the debt. Depending upon your interest rates and the amount of debt, this can mean a difference of tens of thousands of dollars....

Too funny, my 16 year old car with over 180,000 miles on it is still very attractive, very comfortable and fun to drive, and very reliable. Were it not for the fact my new car will be here in another few months, I could easily keep it until it had well past 300,000 miles on it and the wheels would still...

Totally jazzed for you brokenurse; take a breath, wait four to six weeks (for the dust to settle), and then start your rebuild.

I think you're overthinking it; there is no way for them to prove they didn't get it, however, in the end it doesn't matter, you're covered and they're violating the stay.

Keep a few points in mind:
Unlike many decades gone by where a conversation via a "land line" was copper from end to end, such hasn't been the case for a very long time; yes, you may well have copper to your Central Office, but from there it is pushed out on the internet, and from there...

Congratulations! Your discharge should happen within a few weeks and then you can start your rebuild some time after that.

There is a downside to negotiating down a debt, if one negotiates say a debt of $8,000 to say, $5,000, then one can expect to received a 1099-C in the mail for that $3,000 difference. What this means is you are now suddenly on the hook to pay taxes on the money you didn't pay back to the creditor.

These days most new "land line" phone service through your standard RJ-11 phone jack is still IP based.

If I recall correctly, when my son mustered out of the Navy on Whidbey Island a couple of years ago, the apartment he was renting had "land line" phone service provided...