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  • Triciasue792
    started a topic Ch 7 pro se per diem

    Ch 7 pro se per diem

    I am trying to figure out how I document per diem when filing joint chapter 7 pro se. My husband worked out of state for about 3 of the past 6 months and if i have to include that in the gross income when filling out means test, it will put us over the income limit. It is labeled as "living out...
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  • Consideration for chp 13 late mortgage while being very ill.

    Sick with Flu and COVID caused mortgage to be paid 2wks late. Only I had access to my account. 1st late while in chp 13.

    Mortgage company threatened and said they are notifying trustee.

    My lawyer office has not answered my calls or emails. 🙁😢
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  • Edocil
    started a topic Chapter 13 help!

    Chapter 13 help!

    Hello new here , so to make a long story short , I filed chapter 13 bankruptcy , auto loan is co signed with someone that didn't file , the auto loan company didn't file a claim , then .you lawyer missed the deadline to file a claim on there behalf claiming the didn't have all the info, then the get...
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  • Thingshappen
    started a topic Confirmation hearing FL

    Confirmation hearing FL

    Hello justbroke and others. It’s been a while. Not a whole lot has happened other than the trustee asking for a plan modification to include step up payments after a 401k loan is paid off in 2025. My first confirmation meeting scheduled for next week. Is it possible to get the plan approved on...
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  • IndyNation
    started a topic Trustee Fee amount?

    Trustee Fee amount?

    Hi all,

    I have a question on the trustee fees. I looked through the forum, but am a little confused. Our trustee wants 9.3% or 10%, I'm not sure the lawyer said both numbers.

    But that is in addition to our payback amount?

    So if we owed 100k, then we would have...
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  • codingirl79
    started a topic Humbled, exhausted, I need help.

    Humbled, exhausted, I need help.

    We are currently half way through our chp. 13 bankruptcy. I can say that I have aged considerably, my health has declined due to severe anxiety from my financial stressors. This stress caused me to have to resign from my management position of 15 years. I lost my benefits and the tuition reimbursment...
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  • paying back navy federal after discharge

    hello,

    I filed a chpt7 back in October 2021 will be receiving my discharge soon. i have a vehicle loan i reaffirmed with Navy Federal and a credit card with navy federal that i included in BK. my qiestion is, if i pay back the credit card after discharge what are my chanced of getting approved...
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  • Previous Credit Card History After BK 7

    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...
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  • Emu
    started a topic Credit card income

    Credit card income

    I’m filing for chapter 7 and I realized I had inflated my income on credit card I believe I was making 36k and I made it 55k my meeting is in a couple weeks. I haven’t spent money on them or had any crazy purchases but I’m freaking out that I will have an AP after my hearing. Any advice?...
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  • Statement of Insufficient information from US Trustee

    Hello-

    My wife is currently going through Ch 7. Today, we received a letter from the UST stating "...Statement of Insufficient Information Necessary to Make Presumption of Abuse".

    It mentioned something about missing some required means testing documents,, etc.....
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  • Debating CH. 7 BK or to negotiate being used by creditor

    Hi! I am new to the community. I am looking for advice of whether or not to file for Ch. 7 BK or to try and negotiate a 31K debt consolidation loan with the attorneys who are suing me, court date is January 5, 2021. Any help/advice/thoughts would be greatly appreciated. If I do go through with the...
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  • WStuber21
    started a topic Question Should I file Bankruptcy?

    Should I file Bankruptcy?

    I live in Kentucky, and I am 23 years old. I have messed up and dug myself in a financial hole. Well I haven't paid on any credit card bills or my one personal loan in over two years. All accounts are closed, and they are show $0 except a few of them. Two accounts were SOLD to collections, the rest...
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  • Salem3671
    started a topic How long can the Trustee keep my BK 7 open?

    How long can the Trustee keep my BK 7 open?

    I filed my Chapter 7 bankruptcy in July of 2017. It was discharged 11/01/2017. The Trustee took my 2017 taxes (partial) and the pending settlement of a MVA that she received the funds for in February of 2018. She has had all of the available cash for over 2 years. On 01/14/2020, the final report and...
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  • Subibrokeme
    started a topic Pending Statuses?

    Pending Statuses?

    Checking on PACER for the first time ever, wondering if anyone can help me understand?
    Chapter 7, Asset: No
    Vol: v
    Date filed: 01/14/2020
    Date of last filing: 02/19/2020
    STATUS: “awaiting Discharge”
    BEGIN DATE: 01/14/2020
    TIME IN STATUS : 66 days
    #:...
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    Last edited by Subibrokeme; 03-20-2020, 10:40 PM.

  • TXSleepless
    started a topic New here with a rant, and ready to file!

    New here with a rant, and ready to file!

    Just finished all required paper work and classes today. The lawyers will review next week and we will discuss the next steps.
    I'm worried about so many things! This process is so humiliating intimidating and exhausting! Looking back we have awhole lot of nothing to show for our current situation...
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