I occasionally offer help and advice to friends and relatives dealing with debt collection calls. I recently witnessed some very strange activity by a debt collector that has me stumped. I am going to keep my relative's personal information out of this post and for now, I will keep the debt collector's...

We are seniors on social security with some huge unsecured debt(31000), won't go into the gory details but most of it is within the last 12 to 18 months with a couple of 5 year personal loans that only have 6 payments made. The interest is horrible and although we are treading water and making all payments...

I am in a Chapter 13, and have been for three years. The case was filed pro se under a 7, then we obtained a lawyer and immediately converted to a 13. We never even went to court under a Chapter 7. Fast forward, we want to drop the 13. We told out lawyer and he submitted the paperwork last week. The...

We are in the final stages of Chapter 13 - our Trustee has already filed their Final Report and if there are no last minute snafus we should have a discharge and be closed by the end of August.

When we originally filed in 2018 we did not reaffirm our car payment. We have paid it faithfully...

My husband is in the middle of a very messy BK filing. He is filing individually. He is on the hook for $1.3M due to a failed business (long twisted story). This includes $210,000 to the IRS for 2021 income taxes. We had NO idea they would be that high.

He originally filed for Chapter...

I hope I put this in the right spot.
hello all!

So we entered into Chapter 13 in 2018, after a failed attempt to own a business (yay american dream fail!) and a 2nd mortgage to pay back.
I feel like this was the worst decision we ever made. We were strapped before this but...

I haven't posted for a while about post-BK13 issues, but now feel it is time to ask questions about when exactly we should expect the BK13 note on our credit reports to disappear.
We had planned to remain here until summer of 2024 (by which time we would have met the 2-year post-BK13 mark for...

Hello, I’m in Oklahoma and is there anyone that can tell me if there is any banks that help people in an open chapter 13 bankruptcy with an approved trustee letter to get a vehicle?...

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?