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?...

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...

Never thought I would need to do this, but I think Chapter 7 BK is what i need for a fresh start....

justbroke and shipo what is your understanding and interpretation of the ruling against the Chapter 7 female debtor who argued that she was not responsible for home misrepresentation that caused both she and her spouse to be sued for fraudulently obtaining money by the buyer many years ago?
The...

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...

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....

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?

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...

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...

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...

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...

short version (hopefully).
Had several CC that were collecting dust. Some had balances some little and other larger (nothing more than $1,200 each).

I got a loan a few years ago, and cleared out all the CC's and any other misc straggler bills I had so I would just pay the loan and...

I had a loan from Affirm totaling about $950 that got discharged in my chap 7 (12/2019). When I log into their app, it does show that it has been discharged via bankruptcy. Well earlier today I got an email from Affirm saying that Jefferson Capital Systems LLC is now the owner of my loan. What should...

Hi,

We are two years and 8 months into our 5 year C13.

We've always paid the Trustee on time each month.

This past Saturday, I tore my Achilles Tendon just walking in a parking lot.

I'm getting medical consults but it is not looking good so far - surgery...

We are always casually perusing rental home listings, even though we are planning to stay put until at least early 2024 if possible. (That's when the BK13 case should fall off our credit report.)
I have, however, seen rental qualification listed such as, no BKs or no BKs for 3 years. Does this...