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Nodebtrenton
Registered User
Last Activity: Today, 09:01 AM
Joined: 01-25-2018
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  • Nodebtrenton
    replied to Luxury Goods
    If you want to know how rare a creditor goes after a debtor on this go to the forum called “Adversarial Proceedings” and see how often that type of AP actually comes up. (There are other actions that can be considered AP’s, which is generally something one party takes against another in relation...
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  • For me my biggest point of relief was after the 341 hearing. That was a dud compared to how I thought it would be....
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  • Nodebtrenton
    replied to New credit card
    Discover is a good option. I have the same secured card as well as a checking and savings account with Discover Bank. Amount of the deposit doesn’t really matter, just how you use it. Keeping debt low is what matters at this stage....
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  • Nodebtrenton
    replied to Completing Chapter 13 early
    And it sounds like it’s possible these adds to the plan base could also cause your allowed claims to max out as well. Some people get a call from their friendly chapter 13 trustee from what I’ve read on this forum saying that to their surprise the trustee has no more payments left to make to creditors...
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  • That is correct. My reports all updated within a week of discharge. Please note that in a Chapter 7, your creditors that are included in bankruptcy (or pay-n-stays) will typically update your status as included in Bankruptcy after filing, and are not obligated to update it after that point, including...
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  • And if it’s HIGHER than fair market value that is most definitely permitted. Keep all the paperwork that shows why you believe fair market value is maintained....
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  • #1. My understanding is that A) if your mom GAVE you instead of LOANED you the money that part is fine. If that was a loan then because its an insider payment then repaying her over your other creditors would be a problem for a year... which leads to...
    B). The fact that you used that money to...
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  • Nodebtrenton
    replied to Travel Before Filing
    I wouldn’t worry too much, as long as your plans were set before you decided to file. If the attorney said not to worry I wouldn’t. Just be sure to speak with at least three to get a good feel for which one you want to hire.
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  • Congratulations. Do know that your discharge may not happen exactly on the day after the 60 day period ends, that depends on the courts, and it is impossible to predict. I would expect it sooner than later. But it helps having good counsel on your side. That helped me out....
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  • Nodebtrenton
    replied to Unsure of how exemptions work.
    The exemption amounts have changed (increased) and that is before July 2018 when they had another update due. I would check again, but the categories are correct. And in general I would exempt big ticket items that can be easily sold and leave unprotected small ticket items which aren’t worth the...
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