I don’t have any secured debt besides my car and I’m current on that.
I was in debt management before and it was working but then I had to start paying 1100 a month on back taxes and that’s when things fell apart. I’m about 90-120 delinquent on my credit cards and personal loans at this...
Otter35
Junior Member
Last Activity: Yesterday, 08:04 AM
Joined: 01-07-2026
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15k of the 60k in back taxes is priority but yes it’s definitely influencing my numbers.
I don’t need an exact number but I do need to know if it’s going to be above 2500. I can’t move. Even if the IRS thinks my rent is too expensive that’s not the reality of the area where I live....Leave a comment:
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That’s just my base salary
I do get a bonus every February which is why I was going to wait until September to file.
I agree that 3600 is insane. I owe around 310k in debt and back taxes so he said 60% plan was what I was looking at. I was under the impression that most chapter 13 plans...Leave a comment:
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Thank you for sharing that.
I am currently going through a lot of anxiety at the moment due to the fact that I had mentally prepared myself for a certain payment range and now I’m thinking that might not be possible based on some new research and a conversation with my attorney. ...Leave a comment:
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Thank you so much for your response.
My 401k contributions will be consistent for about 8-9 months prior to filing. I would assume that would not count as “just before”
I am going to touch base with a few more lawyers to gage their thoughts on this but I was just hoping to get some...Leave a comment:
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I think ChatGPT lied to me
Hello everyone
I’ve been researching chapter 13 for a while and unfortunately I’ve been using ChatGPT for most of my information.
I make around 190k a year, have around 300k in debt and was planning on filing for bankruptcy in a few months.
What I’ve been doing...
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