Do looking down the barrel of a chapter 7 bankruptcy. Freshly divorced, and I have a government retirement plan (TSP -Thrift Savings Plan) that requires a RBCO (Retirement Benefits Court Order) instead of a QDRO (Qualified Domestic Relations Order).

I fully intend to fulfill the RBCO requirement...

Hello all,

My Chapter 13 plan was confirmed almost 2 weeks ago. I still have some issue's that my attorney did not want to address. His attitude is, just wait and see. The major issue is the IRS Tax Proof of claim is not correct. I actually owe more. I owe back taxes for 2018 (ex-husband...

1) Does the Trustee need to be informed of all salary increases or just anything over 10%.
2) I often give money to my elderly parents, can I include that in the expenses section even if they do not live with me?
3) My current 401K contribution is 3 percent, can increase it by 1 or 2 percent...

I haven't had to file bankruptcy since the early 90's - I think it was in 1992 and it was a Ch 7 case - but am thinking about doing so again for a number of reasons.

I have a bunch of bills I haven't been able to pay. I have two judgments under my belt too - one was given to me in 2003...

Hello,

What are common plan objections? I have read that most of the time, the original plan is objected and denied....

Hi everyone, I am thinking about filing chapter 7. Can you take the NY homestead exemption and also protect any cash in a bank account ( wages earned in the past 60 days)?

If so, does the protected 90% of income count off the gross pay amount? If money moved in and out of the account during...

We've had to change our payment plans a couple of times due to job/wage changes. Now, my parent has cancer and I'm staying with her temporarily to provide support. We live in different states so its quite a drive. My question is with expenses related to a family emergency such as this, is there an...

Hi -

I have 6 more payments to go for my Ch 13 case (54/60 months, a long time coming!) and have a question. I have been renting a place and recently my leasing office has offered a rewards system for making rents on time, etc. One of the features is "Rent Reporting" which...

Yet another Bk13 left over dilemma!
How can we get a landline installed in 2022?
We want landline phone service, but it sounds like everything is 100% internet and wireless based and no old school phone jacks in the wall work now.
Is this true?
The only reason we disconnected...

I'm a Creditor in a Ch7 Case where the Debtor is using BK Court to avoid [or delay] paying a State Court Civil Judgment... I have many questions about delays caused by the debtor and how I should handle the risks, costs, and delays without incurring too much legal fees of my own....

Two questions relating to Ch 7 and taxes:
1) In November of 2021 I sent in an OIC and it has been pending consideration ever since. I haven't heard back from the IRS if they have accepted or rejected my offer. How does the Ch 7 interrupt this process? I'm aware of the 2/3/240 rule, but I noticed...

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...

My husband received a Capital One Quick silver offer yesterday and according to the US postal notifications we get as a daily email since the move, he also was sent an offer today from PenFed.
This question is primarily for you shipo, since you are the absolute CC rebuilding guru (no offence intended...

Hi Everyone. I filed Chapter 13 on April 7th of 2022. The trustee is disputing my home value and wants documents. The Trustee went to Zillow for his home value. Zillow estimate is so high. The trustee just said documents. I'm trying to avoid having to get a home appraisal as they are expensive...

When we applied for our current car loan, we were surprised that both our scores were at least 30 points higher on Eqifax and Transunion than Experian (which currently has my mine listed as a dismally unchanged fair.) Just how important is Experian in credit scoring? If we need say, a 700 score, to...