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Nodebtrenton
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Last Activity: Yesterday, 10:36 PM
Joined: 01-25-2018
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  • Try discover once you’re six months out from filing. They rejected me four months out (a few weeks after discharged) but I applied again at seven months and they approved me. They are also the BEST secured card in my opinion and among the best cards period....
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  • if You go to pacer and click on “manage my account” and log in then select usage. You’ll see an option for quarterly invoices. Yours should have been generated for October (covering July through september). When that opens that will tell you all you need to know. How much you owe and when the...
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  • Nodebtrenton
    replied to Helppppp pls!!!!
    I’m not sure about your home (each state has different exemption rules) but a lawyer cannot file without your physical signature. You’re further protected in that at the 341 the trustee will require both your identification and proof of social security number (social security card or other document...
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  • Nodebtrenton
    replied to Converting to Ch 7
    Good point. Chapter 13s are very complex and conversions or dismissals only make it more so....
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  • Nodebtrenton
    replied to Converting to Ch 7
    It’s 8 years. June 2019 is when you can convert. Hopefully by then you’ll be back on track with your 13
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  • You typically reaffirm any loans BEFORE discharge. This typically is shortly after the 60 day creditors right to object to discharge period (starting with the first meeting of creditors) and was listed on the document you received from the court shortly after stating as such. If you do not reaffirm...
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  • Nodebtrenton
    replied to Discharge date?
    The date you’re discharged is the date on your letter from the court. You’ll receive a letter saying your dischargeable debts are discharged. I don’t know why your distribution of assets is slowing down your discharge though. You should have been discharged two months after your 341 hearing....
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  • Nodebtrenton
    replied to Post Petition. Chapter 7
    I’d log in to pacer and you can find your forms there. There are no fees if you spend less than $15 a quarter. Be sure to use SSN search to minimize fees if you don’t know your case number.

    I’m concerned your address isn’t correctly listed. Because if nothing else you should have...
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  • Nodebtrenton
    replied to Discharged vs Closed
    Case closing happens when all foreseeable business with your case comes to an end. Discharge simply means your personal restrictions set forth by being in chapter 13 are removed. The trustee may have work that he or she needs to do with regard to your final payment(s). But as far as you’re concerned...
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  • Nodebtrenton
    replied to Pacer
    PACER Stands for public access to court electronic records and it is a way for anyone to view information about federal court cases like bankruptcy. It costs $0.10 per page and that includes searches. If your fees for a three month period (eg july- September) are less than $15 then no fees are charged....
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  • Nodebtrenton
    replied to 341 questions
    You’re generally required to submit documents before the meeting so the trustee can review them. They will ask their standard questions and then if there is an issue of concern they will then bring them up. They only have a few minutes to interview each debtor so they will be prepared, and by that...
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