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Time2Change
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Last Activity: 07-11-2018, 12:10 PM
Joined: 07-01-2018
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  • Time2Change
    started a topic Repo when you owe less than worth?

    Repo when you owe less than worth?

    Filing Chapter 13 next week with every intent on keeping and paying for my car loan at Ally. We are very rural - if you don't have a car, you don't go anywhere, work included.

    Trying to wrap my head around how the possibility of repossession works. Even if you've never missed a payment...
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  • I have Ally auto and am watching this closely. The attorney didn't tell me to pay the payment that was due, but I just did. The "take-home" list for Ch 13 that he gave me said to continue paying anything that is not included in the plan - but I have no idea what was included in the plan or...
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    Last edited by Time2Change; 07-11-2018, 10:29 AM.

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  • Time2Change
    started a topic ESOP and Chapter 13

    ESOP and Chapter 13

    Did a forum search and looks like it's been a VERY long time since something similar asked - anyone have experience that had an ESOP?

    Just remembered we have an ESOP at work. It is the kind where the employer and only the employer contribute. We cannot touch it unless we retire, or 5 plan...
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  • Time2Change
    replied to Ch13 Balances/AP Opinion
    Thank you all again for your insight.

    He's definitely not the only attorney out there, but all of them are a good 45 minute drive - as we are rural. From asking around, he seems to have a great reputation. Don't get me wrong, he wasn't "mean" - just extremely extremely to the...
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  • Time2Change
    replied to Ch13 Balances/AP Opinion
    Well I am back from my initial consultation and eek! Well, I think "eek" the attorney thinks just another run-of-the-mill bankruptcy. His ads and reviews portrayed a jovial older man who genuinely cares about his clients. I was greeted by what I can best describe as a tv character you might...
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  • Time2Change
    replied to Ch13 Balances/AP Opinion
    Thank you all for your responses. I'm definitely not "together" - a nervous wreck. Live alone, no one to talk to about this and no real relatives to speak of. All I do is worry, haha.

    I hope the attorney and I can come up with some good figures. I don't want to short myself in...
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  • Time2Change
    started a topic Ch13 Balances/AP Opinion

    Ch13 Balances/AP Opinion

    New here, but have done a lot of great reading in the stickies - thank you!

    Have an appt w/ an attorney Tuesday, but my nerves are killing me.

    Hoping to do Chapter 13. I made the debts and WANT to pay them back, I just can't with the high minimum payments.

    Owe...
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    Last edited by Time2Change; 07-01-2018, 03:14 PM. Reason: Added about atty
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