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Thingshappen
Junior Member
Last Activity: Today, 06:17 AM
Joined: 08-01-2022
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  • Question. Is the 100% payment plan based on the amount of debt "claimed" by the creditors after filing or the outstanding debt before filing? thanks
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  • Thank you so much Carmella! Finding this blog was a blessing to me. I have had so many questions answered and the emotional support is amazing. I will you all posted through my process. I am sure I will be others in the future as well.
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  • Based on what I have read on this forum, it seems that the process in FL may be a bit "better" than in other states including the exemptions. The home equity is protected as well as HSA accounts, 401K and others. My payment may be high due to disposable income and not non exempt assets. I...
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  • I think I will call my lawyer to get more information about it. He knows the Trustee very well.

    thank you flashoflight!...
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  • Thank you Justbroke. Just a few more questions:
    1) So they are three meetings? The 341 meeting, the first confirmation meeting and the final approval meeting? Do I have to attend them all?
    2) Also, what are examples of general objections?
    3)Do the 60 months plan starts on the day of...
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    Last edited by justbroke; 08-12-2022, 07:02 AM. Reason: [moderator fixed closing tag only]

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  • Dilemma with potential promotion

    Hello again. I may get a promotion soon (EOY) which may increase my salary by 8-10 percent. I am filing for chapter 13 the first week of September. Will the trustee go after the increase? Also, what if the promotion happens before the payment plan has been confirmed? Will the trustee ask for new pay...
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  • Thingshappen
    replied to Auto drafts
    Thanks for your response. I am closing the account next week. It is an old account that I have had a bunch of different auto drafts on over time. I have been inactivating them but I want to make sure all is clear to avoid NSF charges. Question, I am overdue on a credit card with the same bank, would...
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  • Thingshappen
    started a topic Auto drafts

    Auto drafts

    Hello community,

    I am going through the preparation process to file chapter 13 at the end of this month. I have been stopping the auto draft for most of the creditors. However, I still have a couple more including Lending club that dont allow me to switch it off online. I think I need to...
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  • Thingshappen
    replied to Question Payment plan
    Thank you justbroke. This has been a stressful process so far and I havent even started it. I know the budget will be tight and I hope that I dont have to do a major repair or get a significant life change in the next five years. It will be difficult to put money aside for emergencies. That is my biggest...
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  • Thingshappen
    started a topic Question Payment plan

    Payment plan

    Hello,

    Currently, I am getting my ducks in a row with the objective to file for Chapter 13 next month. I have already hired an attorney and he estimated the payment based on my income and amount of debt. The estimated payment seems high but still better than paying minimum payments on credit...
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  • Thingshappen
    started a topic New Case

    New Case

    Hello,

    Unfortunately due to some horrendous financial mistakes , I need to file for chapter 13. I have been going through so much stress in the last couple of years and I think it is time to move forward. I am glad I found this forum since it has already helped me find answers to so many...
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