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bkandhappy
Junior Member
Last Activity: 06-29-2020, 01:50 PM
Joined: 06-01-2020
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  • lukesky The end goal is to get that chapter 13 done and over and move on. Timing was horrible but it is what it is. GL
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  • bkandhappy
    replied to Remove HELOC options help Please
    Thanks Justbroke, No cross- collateraliztion at G1 CU. I had a chapter 7 assets case as i had a few thousand in a savings account for my kids that we could not exempt, i thought we could but nope, so to have my case fully closed it will most likely take a bit longer as they will need to distribute...
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  • bkandhappy
    replied to Remove HELOC options help Please
    Golden 1 is my bank that holds it, but my membership will be cancelled because of a credit card i had with them that i went BK on. Ill do some googling on it.

    Is it better to wait till DC or before to start it, my DC date is 7/6...
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  • bkandhappy
    replied to Remove HELOC options help Please
    Thank you JustBroke, I will attempt the HELOC settlement and see what happens. With that said is there anything you can recommend to help with that? What do you think is a realistic number? If i owe $60000 and there is equity do you think i should start at $5000 or is that a laughable amount especially...
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  • bkandhappy
    replied to Remove HELOC options help Please
    Des and JustBroke,

    I will keep the house and will contiune paying on the HELOC no matter what as the end game is to keep this house.

    To clarify do you think there is any negative consequences on me trying to offer a settlement on the HELOC the worst they can say is no right?...
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  • bkandhappy
    started a topic Remove HELOC options help Please

    Remove HELOC options help Please

    CH 7 awaiting discharge 7/6/20, my HELOC is also included with it. I am keeping the house. 1st and HELOC are both current. House value is 513-575k I owe 373k on the 1st and 60k on the HELOC is with golden 1 and primary is with union bank.

    Will the lender close out and remove the HELOC since...
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