My husband is in the middle of a very messy BK filing. He is filing individually. He is on the hook for $1.3M due to a failed business (long twisted story). This includes $210,000 to the IRS for 2021 income taxes. We had NO idea they would be that high.
He originally filed for Chapter...
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Federal Tax Liability and Chapter 7
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I feel like I'm losing my mind...
I hope I put this in the right spot.
hello all!
So we entered into Chapter 13 in 2018, after a failed attempt to own a business (yay american dream fail!) and a 2nd mortgage to pay back.
I feel like this was the worst decision we ever made. We were strapped before this but... -
Exactly When Does the BK13 Notation Fall Off of the Credit Report?
I haven't posted for a while about post-BK13 issues, but now feel it is time to ask questions about when exactly we should expect the BK13 note on our credit reports to disappear.
We had planned to remain here until summer of 2024 (by which time we would have met the 2-year post-BK13 mark for... -
Auto Loan
Hello, I’m in Oklahoma and is there anyone that can tell me if there is any banks that help people in an open chapter 13 bankruptcy with an approved trustee letter to get a vehicle?... -
Order of Discharge
Checked my pacer today and it looks like the order of discharge has been filed! My status did not update with a closed date. Is there something else I’m waiting for for me to be officially discharged from ch13 or is this it? If there’s another step, how long does that normally take?... -
New to BK Forum - Chapter 7
Life took a turn for the worst last year. I will try to keep it brief. I used to make about 180K~200K/yr in the mortgage industry, then the industry took a nose dive with the rising interest rates. Tried to pivot into crypto industry, realized many people are scammers and couldn't do it. Made pretty... -
New to Chapter 7 BK
Never thought I would need to do this, but I think Chapter 7 BK is what i need for a fresh start.... -
Scotus 02/22/23 bankruptcy ruling - what does it mean for future debtors?
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Discharge Vs Collection Attempts?
In Chapter 7, I understand that creditors can continue to report to credit reporting agencies (Experian, Equifax, Transunion, etc) AFTER discharge, and it is not a violation of the discharge order in terms of collecting a debt.
However, what if the creditor had never reported to the credit...Last edited by adr; 02-18-2023, 03:25 PM. -
$33k unemployment overpayment discharged?
I received a discharge order for my Chapter 7 on 2-14-2023. I had a $33k unemployment overpayment from the state. The state claimed it was fraudulent because my certification info was inaccurate. (they claimed I quit, not laid off). The state never filed an AP against me in the required 60 day window....Last edited by adr; 02-18-2023, 03:22 PM. -
Who is responsible for filing AP?
I hired an attorney for my Chapter 7. My assumption was that the attorney would act in my best interest and file an AP for my $6k debt in Student Loans. However, the 60 day window closed and he never filed an AP. Is this my responsibility or the attorneys? -
Dilemma with Credit Union and Attorney
If you haven't read any of my other posts I will summarize that I am in a 100% Chapter 13 after my previous (8%) Chapter 13 was thrown out after my final payment when they saw raises and overtime in my tax returns that I turned in late right before the last hearing (discharge?). I waited a few months... -
Planning an Overseas Vacation After BK13- Travel Agent or Not?
shipo , this is probably a question you can answer quite well with your many areas of expertise.
When you and your wife took your recent European trip, did you pay for the services of a travel agent? And if so, how and where did you find them? (i.e., reviews, internet ads, a friend or family... -
Chapter 13 Budget
Hello. I have searched the forum but can't find exactly what I'm looking for. I am trying to decide on if I should file Chapter 13 or not (initial meeting with attorney is next week.) I have about $65,000 in unsecured debt, owe 14,000 on a 2020 car, and I am on the deed of a house but not the mortgage...Last edited by Seabass; 01-11-2023, 04:08 PM. -
NDC Status -- Case Completed
I see on some older posts that if NCD is saying my case is "Completed" then yes, it is probably completed pending the final audit.
Is there anything else it can mean? I'm scared to get my hopes up, and I really thought we had longer to go before it was completed. It wouldn't say...