Hi Looking for some advice. Me and my husband filed for Chapter 7 and discharged 3 years ago. Our home was in pre-foreclosure and we had a loan modification done. We have been current and on time with all our mortgage payments since the modification three years ago. Our current home is worth around...

So for my chapter 7 I have nine credit cards equaling about 80k and two personal loans. All the credit cards I'm not worried about, nor am I worried about one personal loan I had been making payments for over a year. But, this Upstart loan I'm really concerned about and looking for feedback, here is...

Does it even matter in regaining 100% financial freedom which kind of debt forced you into BK13 in the first place?
In our case , we did have some home related purchases that would have been classified as secured debt (toilets, refrigerators) but none of these creditors filed in time, so we ended...

It is starting to sink just how hard it is going to be to get out of Colorado in 2022 after the final BK13 payment in late Jan. /early Feb. 2022.
We have an excellent CU, but if we have to wait six month after discharge to apply for a secured CC, that means we aren't eligible until maybe Oct.2022...

I looked every where about relocation after BK13 and couldn't find a suitable title, so here goes!
I know many will say , just stay where you are, and if you must sell, rent until 2024 (when the Bk13 should fall of our report), but I am so unhappy here and physically, spiritually,mentally and...

Hi. I'm new. Just about to file Upsolve and my car died. A lawyer recommended buy car first and not reaffirm loan just list retain and pay. Will any of the above virtual dealers not repossess if I pay on time? Anyone know? Any problems like stopping auto withdrawal of payment. Help. Thank you D

I am trying to find the pro se Advesary document for chapter 7 Bankruptcy

So, if we were to buy a car during the bk, we would need to talk with the attorney/trustee. But what about expensive repairs? Do we need to notify the attorney/trustee? Will this be a problem when we are ready to be discharged? Seems like we wouldn't have to, since the funds would come from the income...

Well, the repair estimate just to get the furnace up and running until the Spring arrives with warmer weather is around $1300.
The tech warned however with such an old furnace many more pieces may break down (incl. a back part of the case that would emit Carbon monoxide and cause poisoning) necessitating...

I am a few years out from my discharged and did not reaffirm my mortgage. Mainly because it's usually not recommended, and partly due to the concerns about the integrity of the house. Back then I started to have some settling issues / foundation problems. I assumed at the time if something catastrophic...

I have been getting flag notifications that I didn't instigate nor can I read. Why is this happening and how can I remove them so I can read the latest notifications that I am subscribed to?
Thank you!

In the state of Maryland, am I required to report to the Court if my income substantially increases? I asked my lawyer when I filed 2 years ago, and he said no. But I came across something on Google today that directly contradicted him.

I’m in a 100% plan, and my payment is already scheduled...

I looked online and found that there is quite a bit of criteria that must be met for tax debt to be included in a Chapter 7 and am hoping someone can help me understand if I would be eligible to include mine or not based on my info:

1. Received IRS form CP2000 on November 9th of 2020 stating...

When we try to sell our house ( hopefully) in 2022, how much info will potential buyers be able to access about our Bk13 and us? Could this be used to offer only low ball bids? Is this why debtors shouldn't sell their home until 7 years post-BK13 when the impact of the BK13 no longer shows on credit...

Hi! I was wondering if anyone has had any issues with homeowners insurance (or car insurance for that matter) dropping them or raising their premiums. I know that your credit score is used to calculate your insurance score and read online (I know this is not always the best info!) that it can have an...