Did you file Chapter 7 or Chapter 13?

I think between my 341 meeting in 2015 and my Discharge in 2020, I only saw my attorney once to sign some paperwork (probably something to do with a large tax return I got in my fourth year); all of the rest of our correspondence was via E-Mail....

As others will tell you, NDC is notoriously inaccurate about many things. I think the only things which ended up being true on my NDC readout was the posting date of each of my payments. Speaking of which, my attorney advised me to make my final payment as early in the final month as possible so as...

I would strongly recommend you upgrade your policy; if the monthly difference in the cost of insurance is onerous, talk to your attorney.

With that business out of the way, as I understand it, some insurance companies can be prevailed upon to at least pay the outstanding loan if your car...

Your words read like you're entering a Chapter 13; can you confirm?

Pattonator, as justbroke alluded to above, these settlements you're trying to obtain may well haunt you for seven or more years as well. Long story short, my gut tells me your efforts to avoid a bankruptcy filing will not end well....

I can think if two really good reasons:

1. Owing the IRS is not like owing a regular creditor; if they decide to, they can simply attach your bank account and *poof*, you have zero money.
2. As I understand it, just because you "successfully" negotiate a debt reduction does not in any way mean

...

Carmella, just so I understand, you now have a non-working car for which you still have an outstanding loan on? If so, "Ouch!"

What kind of vehicle and what is wrong with it?

Pattonator, if you succeed with your "settlement or dismissal" plan, are you prepared to pay the extra taxes you'll incur when you get your 1099-C from Discover? Keep in mind, the IRS is a MUCH more tenacious foe than Discover when it comes to wanting their money.

Question, why...

I changed banks from Bank of America to TDBank about 8-weeks after my Chapter 13 Discharge, and a few weeks after I changed to TD I applied for a Secured TDCash credit card and was instantly approved. Last week, just 6-months after making my first charge on the card, TD "unsecured" it (i.e....

The best advice is to hold off for roughly a month following your Discharge and then apply for a Secured Credit Card.

To underscore what I wrote yesterday regarding different latencies of the credit bureau reporting; I checked today and see up to date information from last week on Equifax, however, both TransUnion and Experian are showing information which was current in late November.

Edit #1: And no...

Unfortunately, not everybody has the option of obtaining even a few dollars of credit during their Chapter 13s; in my case, I had to wait roughly a month after my Discharge before I could start rebuilding my credit....

I rather doubt it is a loophole, that said, I have no substantive basis for feeling that, it is just a gut reaction to your question.

What I'm thinking is, attempting this type of an effort to shield money from a Trustee would fail in that the money above the maximum annual contribution...

It sounds like you can make a good case for a modification; of course, the devil is in the details; sounds like it is a good time to talk to your attorney.

Yes and no; the fee per page is fairly inexpensive, and unless you use up to a certain threshold, something like $30.00 per month, they don't bill you for the usage. Said another way, use it sparingly and you won't incur any charges.

Lots of stuff to discuss...

First, congratulations on your discharge and soon having the Chapter 13 drop off your record.

Regarding some of your questions:

• I don't believe there is a hard and fast answer regarding how much your credit score will improve when you hit the seven

...

While I was in my last year of Chapter 13 I was on a business trip to California and got a nasty sinus infection; I went to an urgent care center the day before I was scheduled to fly back to the East Coast, and they refused to treat me as I hadn't had the infection long enough. I was madder than a...

There is a topic called "Rebuilding Credit" here: https://www.bkforum.com/forum/after-...uilding-credit

In that discussion group I have created a few threads related to my own experience over the last ten months which may be instructive to you. The first thing I,...

Congratulations Mixman98! Welcome to the Chapter 13 Discharge club, I got there last March.

I believe I answered your question regarding mortgages in your other thread; do you have any others, say, regarding rebuilding credit?