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Franco
Junior Member
Last Activity: 11-23-2020, 05:29 PM
Joined: 07-26-2020
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  • Thank you Carmella! I hope your situation improves as well, it's tough ain't it? What really scares me is Biden coming in and shutting down America, I know there is an increase in new Covid cases, but I feel that shutting down everything will only temporarily drop the infection rate. This will also...
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  • Franco
    replied to end of BK13 audit?
    Good to know JB. I didn't even know the Trustee does an "Audit". The past 2+Years have been smooth sailing pretty much, can't wait till it's over! It's going to feel so good when I OWN my Truck! No more leasing/financing vehicles for a long while LOL! If I do, I'll make sure to put like...
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  • Franco
    replied to What to do when your health fails you?
    Kind words for sure! Thank You Barbisi!...
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  • Franco
    replied to What to do when your health fails you?
    I understand the feeling of not having anyone there for you, I'm all alone here in Arizona, and my immediate family died in my 20's and early 30's. Sure my Brother is in NY State 2600 miles away, but he has his own struggles with his wife and child and not making much money.

    Now I can't...
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  • Lesa13 let us know what happens, that sounds ridiculous to be honest. I'm half way through my CH13 and I too would be livid if something like that happened. Only thing I have to complete is the 2nd BK coarse before the end of my BK. This makes me wonder, can the unsecured debt that's in your "confirmed...
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  • Well, spoke to my Attorney today and he could get my monthly payments down only $50, and it would cost me $850 (his fee) to do this, he would include that fee in my plan over the length of the plan. Basically I'm only paying off my Truck & Trustee, the unsecured debts are being payed back very...
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  • Thank you JB! Always great advice from you. Yes I remember they did that look back period of 6 months and commission was factored in before they made my CH13 plan. It's just that times are changing, and with my company honestly I don't know what is going to happen. I'm sure my attorney or his paralegal...
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  • Franco
    started a topic Income Decreasing month after month, Modify CH13?

    Income Decreasing month after month, Modify CH13?

    My employer basically closed hundreds of stores nationwide due to the pandemic, and they sent 6 additional sales reps to my store, transfers basically. Now what this means is I don't help as many customers and my commission is SERIOUSLY impacted. On an average month, for the past 2.5 years while in...
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