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eap82
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Last Activity: 01-24-2022, 03:22 PM
Joined: 09-15-2020
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  • eap82
    replied to No plan heading into confirmation hearing
    justbroke Thanks for all your help. It does help me feel a little less worried. I just hope my attorney can negotiate a reasonable plan. Overall I don't know what to think about my trustee so I'll just have to roll with it. 47 more payments to go!...
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  • eap82
    replied to No plan heading into confirmation hearing
    justbroke Makes a lot of sense actually. It just makes me uneasy as I wasn't going to be there to speak for myself. Maybe I need to try and get the day off of work? What if my attorney doesn't have all my numbers straight and I get screwed into a payment I can't pay? As I've expressed before, I've lost...
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  • eap82
    started a topic No plan heading into confirmation hearing

    No plan heading into confirmation hearing

    Hi Again. As I have posted before, I still don't have a confirmed plan and have an upcoming confirmation meeting. My lawyer wants to hold off on filing another amended plan and instead will go into the meeting with the trustee and hash it out I guess. The idea is to avoid another continuance. Anyone...
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  • eap82
    replied to On the cusp of some FICO changes...
    shipo Holy Moly!...
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  • eap82
    replied to Monthly Income Calculation
    justbroke Thanks, I will ask about a biweekly payment program option if there is one!

    Thanks everyone for your help, hopefully I can get this wrapped up soon....
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  • eap82
    started a topic Monthly Income Calculation

    Monthly Income Calculation

    Still trying to get a plan nailed down. My trustee wants more from my payment and wanted a few more months worth of pay stubs from my new job. I spoke to the paralegal and they are averaging my monthly income over all my pay stubs, unfortunately with this job I get paid every two weeks and got three...
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  • eap82
    replied to Credit Report Question
    Carmella I monitor my credit reports monthly with a service but you can get it for free in some places. When I filed I had accounts reported as late that were not. After I filed they should have stopped reporting the delinquent accounts as continuing not to pay. I had to dispute to get it fixed. That...
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  • eap82
    replied to It's almost 4 yrs, but I am learning
    Carmella, I'm so sorry to hear you have COVID. I'm glad you can use your PTO, so frustrating to not get paid for something you can't control. My job is in healthcare and the company I work for will pay you if you were Vaccinated and you don't have to use PTO. If you weren't vaccinated you are required...
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  • eap82
    started a topic Disbursement

    Disbursement

    Happy New Year!

    I’m not confirmed yet but I’m curious everyone’s experience with disbursement of your payments once your plan is confirmed. Does the trustee make payments monthly or in larger amounts on a determined schedule? Is it trustee dependent?...
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  • eap82
    replied to Firing my Attorney
    Thanks for all your replies, I do appreciate all you have said. So I finally yesterday, after 11 days, got an answer from the paralegal about what the issue with the Dec 6th hearing was and why it was continued. The trustee wants more. So off we go again with this negotiation. Just counting down the...
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    Last edited by eap82; 12-28-2021, 09:49 AM.

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  • eap82
    commented on 's reply to Rebuilding Credit (eventually)
    I do on an intellectual level understand what you are saying. What I don’t think everyone understands is that getting caught up in the rewards card game for some is a slippery slope. It’s easy to justify spending to get the rewards and get yourself in trouble. Now this could obviously be avoided...
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  • eap82
    replied to Firing my Attorney
    I absolutely get that. I would have thought that 3 months of income in a job in the exact same field would have been enough. They want another 3. The thing is that we all are human, we get sick etc. I get that I have to have a plan that gives all my disposable income, I can't help it my medication costs...
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  • eap82
    replied to Firing my Attorney
    They want to show steady income as I started a new job over the summer. So they want another 3 months of pay statements. They are also again questioning my out of pocket medical expenses despite providing receipts in the past. Nothing I can do but comply and chug along I guess....
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  • eap82
    replied to Firing my Attorney
    Well, my plan was not confirmed. It took a few days but the order to continue to February was entered. It took my attorney 5 days to notify me, I knew before that of course because of Pacer. Still not sure what to do, they want us to rework the numbers again. I'm so frustrated....
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  • eap82
    replied to Firing my Attorney
    Thanks Justbroke, I was hoping you would respond because you are familiar with my area (I believe you said middle district Florida, that is where I am) and are so on top of things. I completely understand it taking A long time. My attorney initially counseled me on exactly what you wrote about the prelim...
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  • eap82
    started a topic Firing my Attorney

    Firing my Attorney

    Anyone so unhappy with their attorney they fired them? I'm absolutely done with mine. They were great up front and had a great sell until my plan didn't get confirmed because they filled out the paperwork wrong. Many things have happened since then and they are completely unresponsive to any attempt...
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  • eap82
    replied to Car and CC at Credit union- getting title
    This is what I’m hoping for. They have been non committal on if they will let cross collateralize so
    there is a chance. They did give me back online access but only with my lawyer writing a letter....
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  • eap82
    replied to Car and CC at Credit union- getting title
    Thanks JB. No cram down, they still have the loan and it was current at time of filing. Hoping they don’t give me a hassle....
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  • eap82
    started a topic Car and CC at Credit union- getting title

    Car and CC at Credit union- getting title

    Hi all. I have a car and credit card at the same credit union and while they tell me they "usually don't" cross collateralize, it is in my loan agreement they can. I'll have my car paid off before my 13 ends. Anyone having any luck with this situation and getting a clean title once the car...
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  • eap82
    replied to Low Payment
    Thanks everyone, hopefully I’m on my way to a confirmation.
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