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shipo
shipo
Senior Member
Last Activity: Today, 07:14 AM
Joined: 02-23-2020
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  • shipo
    commented on This is my test blog
    in laz
    Well done, your test worked well.
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  • shipo
    replied to Financing A Newer Car After BK13 Discharge
    Carmella, I would imagine by late 2023 you would easily be able to find another Outlander for your husband for reasonable money, new, dealer demo (sold as a new car), or lightly used; in your case, I'd look for a dealer demo.

    In your case, if you're looking for a sedan, then it looks like...
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  • Thanks justbroke, great and thoughtful advice as always.

    I have an interesting wrinkle which is about to show up on my credit report:

    The bad:
    • I obtained a CapOne Secured card with a $1,000 limit on it in early May; as you might remember from another thread, over the two
    ...
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  • shipo
    replied to Financing A Newer Car After BK13 Discharge
    Hey Carmella, I'm a bit of a car geek having spent much of my professional career working for the autos. The good news for you come 2023 is literally all cars roughly five years old or newer will sport a backup camera, regardless of size, model, or trim level as the NHTSA mandated all new cars much...
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  • After my Chapter 13 drops off, will my credit rating drop as well?

    Hello folks, since my Chapter 13 Discharge in early March this year, I've been using this site and others to A) closely monitor my credit rating, and B) formulate a plan to rebuild my credit rating as quickly as possible. One of the things I was surprised at was my credit rating on the day of my discharge...
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  • shipo
    replied to Deficiency notice
    I was required to complete both first and second classes before I filed.
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  • shipo
    replied to Capital One Secured Card rant
    Regarding CapitalOne, I had heard the same thing, they are the only (or very nearly so) game in town, and without doing any further research, I took the bait. I applied to them shortly after my discharge in March, denied; I waited a month and applied for a Secured Card via Bank of America (my then current...
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  • shipo
    replied to Capital One Secured Card rant
    Final note on my CapitalOne Secured Card:
    • Early this week I redirected all of my online accounts to use my debit card instead of my CapitalOne card, and converted all of my real time purchases to the debit card as well.
    • Yesterday CapitalOne posted my final payment which brought my account to a $0.00
    ...
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  • lukesky, thanks for the update; it sounds like the silver lining to all of your hardship is your earned monies are now yours from here on in and your Chapter 13 will end shy of the full 60 months, and this in turn will allow you to start rebuilding your credit a bit sooner.

    Keep us pos...
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  • A few comments:
    • Having just completed a 60-Month Chapter 13 (with 18-Months more tacked on to the beginning when my financial world collapsed and I had to resort to cash only), I understand your desire to be released from credit prison.
    • Regarding paying the Chapter 13 off early, the huge benefit
    ...
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  • The Trustee in my case didn't start paying my creditors for nine months. I assume it is different by region and Trustee.
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  • shipo
    replied to Capital One Secured Card rant
    I just got back from my bank (TDBank) and signed up for a Secured Credit Card with a $5,000 limit; it will be a few days before I get an answer from their underwriting department before I know whether I'll be approved for that limit, something lower, or not at all.
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  • shipo
    replied to Capital One Secured Card rant
    Quick update; today, 24-Jun-2020, nine full days after they posted my payment, they F-I-N-A-L-L-Y released the funds to my account. Yeah, totally unacceptable. I hope to have a new card within a week or so, and when I do, Bye-Bye Capital One.
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  • shipo
    replied to Voluntarily dismiss chapter 13 advice
    I am far from the expert here, but on the surface at least, that does sound like a plan.
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  • shipo
    replied to Filing CH 13 soon
    Lawrence21, back in 2014 when my attorney and I were writing up my Chapter 13 filing, we deliberately delayed the filing so as to not show spot bonus I'd received. If I recall correctly, we finalized the filing paperwork before Thanksgiving, but didn't actually file until late January of 2015.
    ...
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  • shipo
    replied to Capital One Secured Card rant
    Thanks for the feedback. I'm trying to figure out the rationale for holding payments, any payments. The only possible explanation I can come up with is some sort of an AML (Anti-Money Laundering) safeguard. After I get six months with the Capital One card, my plan is to try and get one from my new...
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  • shipo
    started a topic Capital One Secured Card rant

    Capital One Secured Card rant

    To start, following the discharge of my Chapter 13, Capital One granted me a Secured Credit Card when nobody else would, so kudos to them.

    Given the model they use for a Secured Credit Card has a maximum of $1,000 for a line of credit, I secured the card with the max deposit ($849) and...
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  • cg2021, with the exception of the annual demand for my tax return statement, and then any subsequent demands for refunds over $1,250, I didn't get anything from my Trustee until after my final payment where he said something like I was eligible for a discharge.
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  • Hmmm, interesting, I didn't get the closing audit for my Chapter 13 until May of this year, about 10 weeks after my case was discharged. I cannot imaging how a closing audit can be started, much less completed, before all of your money has been collected by the Trustee and distributed to your cred...
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  • shipo
    replied to Secure credit card options?
    wiggybrain, I'm thinking part of your problem is multiple applications in a short period of time. After Capitol One denied me earlier this year following the discharge of my Chapter 13, I waited something like 6 weeks and applied again; they approved me that time around.

    While on the subject...
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