Hi everyone,
After 30 years of never missing a payment on any loan or credit card — and almost draining my 401(k) just to keep up with the minimum payments — I’ve decided to start preparing for a Chapter 13 filing as I am done with the emotional stress and I will retire in 5 years....
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Preparing for Chapter 13 – Seeking Advice and Insights
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In AZ, can I keep my car & house if I do Chapter 7
If I do chapter 7 bankruptcy in Phoenix, AZ will I be able to keep my car & house?
Car is worth like $12k (according to KBB) and house is well under $320k since it's in a rough neighborhood.
Does it matter if I have 'multiple' cars in my name, if those others haven't been... -
IRS Tax Question if paid outside of Chapter 13 plan
Hoping someone can give me a little more clarification on how this would play out. I'm a little over 3 years into paying the 5 year (60 month) plan Part of the payment plan is IRS debt from 2018,2020 and 2021. The 2018 tax debt was suppose to be paid by my ex-husband in the divorce decree( it's almost... -
ATT wireless question
Hello everyone
I hope that everyone's doing well!!! new here. i am posting since i just had a heart attack and had a diabetic coma on the 19th of last month and came out with blurry vision. i plan on filing a chapter 7 bk to bide time for my recovery!!!! i am concerned on how AT@T mobility will...Last edited by Lanced; 05-16-2025, 01:47 PM. -
Does USAA cross collateralize loans?
I’m going to be stuck in a Chapter 13 for sure. I currently owe USAA close to $20k in credit card debt, but I also have a travel trailer financed with them. I have zero equity in it. I just made a payment which brought it down to the bluebook value. I do not desire to keep it, as I bought it for myself... -
What Should I Know Before Filing Chapter 13? Would Love Your Insights!
Hi BK Forum,
I'm preparing to file for Chapter 13 and would really appreciate hearing from those who’ve been through it — especially anything you wish you had known before starting the process.
Here’s my current situation:
I recently had to take a lower-paying job... -
Late Payments Dropping off of Credit Bureau
My Chapter 13 discharge was Oct 2023. My first BK filing was 2010 and my final filing was in 2017. I made some late payments on my second mortgage to my credit union from Dec 2017 to April 2018 while in bankruptcy. All of those 5 months were reported late to Transunion and a few months to another bureau... -
When is BK 13 removed from credit history
We filed 3/30/18. I don't remember when the first payment was made, maybe in April 2018, I know we made payments before it was confirmed.
Does this mean after 7 yrs the BK will not be on the credit report? Would that be around April of 2025 ?
Does it totally disappear,... -
Proof Of Claim
Hello Everyone,
Do most creditors file proof of claim?
I’m praying so hard that not all my creditors will file a proof of claim.... -
Swagstuff started a topic Question Home Value Exemption Trustee wants a written market analysis or broker price opinion.in Chapter 7Home Value Exemption Trustee wants a written market analysis or broker price opinion.
Trying to file a Chapter 7 in Wisconsin. We were right at the exemption value for the house using the new 2024 county tax listing value. I thought this value was high for our little 3/1 ranch that needs work at $292,000.00. Now the trustee is seeing a value of $344,000 at Zillow and $359,000 at Redfin.... -
Does Anyone know about Navy Credit union?
I don't have an account, but I wondered. (I heard PedFed waits 2 years before considering you.) I did not burn either of them; I am looking for low interest rates if I need to go into revolving for a month or so. My Dad is an honorably discharged Navy guy, so I think I qualify for an account. Thanks... -
Need Attorney in NY to answer Complaint... help
Hi,
I was sued by an MCA creditor in NY, i live in NC. I desperately Need Attorney in NY to answer Complaint asap.
has been hard finding someone reasonable from NC.
I'm one of you can recommend someone you have used before that could help me. I would greatly appreciate... -
travel1000 started a topic Question Question about form B108 statement of intention? reaffirm the apartment lease?in Chapter 7Question about form B108 statement of intention? reaffirm the apartment lease?
there are secured property and unexpired personal property sections. do not include real estate under instruction under unexpired personal property. Where is my apartment lease filling in? it seems only possibility to reaffirm my apartment lease in this form. Where can I reaffirm my apartment leas... -
sell house under chapter 13, with second mortgage too.
Hello,
So my Husband I bought this house in 2020, and filed for ch 13 in 2022. I am looking at the possibility to sell the house, to pay off all debt.
Q1: so if all my equity in the house is more than enough to pay off mortgage, second mortgage, and the bankruptcy case, why...Last edited by vin123; 07-23-2024, 11:42 AM. -
How to deal ebay inventory for filling chapter 7
I earn my income to sell used car lamps on ebay. I sell on ebay on my own name. I purchase used lamps from junkyard. I prepare to fill out B106A/B as business inventory under business property. My inventory estimates 30 pcs with purchased price $25 per pcs. The total purchased price is $750. Is using...