(Only) I’m filing chapter 13. We have one car that we owe $45k on at 8% - my husband got a job 2 years ago that he drives about 50k miles a year so now the car is worth maybe 20k

The other car we owe 48k at 7%. We got it 1.5 years ago and it doesn’t have many miles but the vehicle is...

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...

Hello Everyone,

I have come for additional advice. I did consult with 2 probono lawyers. Each gave me different answers. I am in California, I hope that is ok to list. I am unmarried and want to know if Its ok to list my sons father as a dependent? I did claim him on my taxes as he has...

We completed a 5 year Chapter 13 bankruptcy. Our HELOC was not included in the repayment plan. When I reached out to the bank after discharge they would not work with me to set up payments. The account has been "charged off" but it is still on the books and the collections department wants...

I’ll keep this to the facts. I’m seeking any experience on this matter as my attorney, the two trustees he talked to and a second attorney have never experienced this before and not sure what the best course of action is.

I filed chapter 7 bankruptcy in 2022. I wrote a check to the...

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...

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. 🙁😢

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...

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...

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...

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...

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...

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...

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?...

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.....