Hi there. I am halfway through a 3 year chapter 13. I would like to increase my credit score so when it is discharged I would get better rates for future loans. What I have done so far is this.

Got a car loan for 14k
Secured credit card for $300. Pay it off every month.
...

I filed a few years ago and my mortgage was not reaffirmed. So from a credit standpoint I am not worried. However from a roof over my head situation I am freaked out. What kind of sucks about it also is that I am finally through the rough patch, and financially things look good going into the future....

Barbisi and I were talking today about finishing this bk13 up. She mentioned, each person finishing a bk13 is required to sign some form of legal documentation, stating we do not owe child support or similar obligations. Is this true? Neither of us owe that kind of obligation, but we just need to know...

My husband called the title company and found out that once the discharge and closing occur and the house is under contract, it will take up to eight weeks for the title company to receive the final pay - off amount. This means we will be under contract for a minimum of eight+ weeks instead of the standard...

I wonder if others who haven't exactly enjoyed the whole BK13 process and lifestyle feel that the not so wonderful experience has forever changed their personality and/ or perspective?
And I don't mean financially speaking -I would hope others have learned how to shop wisely and to not rely on...

Here is my introduction in case some of you may he questions.

https://www.bkforum.com/forum/news-g...ne-great-forum

I'm currently unemployed and plan to be unemployed for a while. I'm OK financially now.

I live in Las Vegas.

In Nevada there is a new...

I have been reading posts on here that as long as a car has a working engine, no matter how old, it should be repaired into infinity.
My car is a 2005 Nissan (purchased in Fall 2004) with more than 200k in miles. In 2020 we spent more than 3k to keep it on the road.
Our Bk13 is supposed...

We've been in C13 since April 2020.

Initially, our credit scores tanked some but now mine, for example are:

TransUnion: 697
Equifax: 716
Experian: 618

Now I know anything below 700 is not good (we used to always be above 700 for all) and in fact several...

Hi, this may be long and I apologize. I am typing this on my phone so I apologize for the formatting.
my husband and I are in a chapter 13 36 month plan and have only 12 months to go. We have been asking our lawyer about the Haven Act (we collect va disability) he says that it isn’t used in...

Ok; as we get close to being done with this, we have some questions:

I believe this has been answered before but: we can *legally* acquire credit (i.e. credit card, credit union loan, and yes, possibly a 401K loan) the day after the discharge. Is this correct? I believe shipo recommended...

I closed on my home earlier this year. VA home loan for 176k. Well it seemed like one thing after another happened and I used all my savings getting into the house. So I ended up running up personal loans to fix things around my 'new' house. Credit card are maxed out to and was used for fixes. My income...

Hi,

We are almost 17 months into our C13.

When we began, our attorney advised us if we inherited anything or won the lottery and the like, that would have to be reported to the trustee and he might take all or some of it.

At the time, we also provided all the...

Hello:

If I had 11 years as my oldest card before BK, will it erase those years on my credit report? One of my oldest credit cards that I was again given after BK said I was a member for 11 years, but my credit report says my oldest card was 2 years. Which one is right as far as an offical...

Hello all!

New to the forum and first post but I have seen so many helpful pieces of advice here I just wanted to get some more seasoned folks opinions. I'm 43 months in to a 60 month Chapter 13 plan. Payments have been around $129 per check so about $260 a month. In January 2020 I started...

I've been unemployed since March 2020 and my only income has been UI benefits. Several times over the last 18 months, AzDES (who handles UI in my state) didn't pay my benefits for months at a time, so I would get lump sums once they pulled their heads out of you-know-where. This caused a lot of the...