Can anyone discuss their experiences wtih a cram down on a rental property. We will be filing BK, and am looking at doing a Ch 13. I know a Ch. 11 is a possibilty if we wanted to spread the payments out longer than 5 years. (and be in in longer!) Ch. 11 may have other advantages, not sure if not having...

I just finished my second 341 meeting with Trustee for Ch 7 in California. Most debt is business related. Everything seems okay except one thing. I own 33% of a home with my two brothers. The house was left to us when our parents passed. The house is worth $162,000, so my interest is $53,000. I can...

I seem to be getting myself more and more confused about the means test and DMI on Schedule J.

I'm trying to understand if a Ch. 7 is right for me. I fall WAY (really, really, embarassingly WAY) below the median income for the means test. If I put my numbers into Schedule J, I have...

Our Chapter 13 was recently confirmed. We claimed our 21 year old college student daughter as a dependent on our federal taxes for the past few years while she has been in college and living at home.

In Ohio anything over a $1500 federal income tax refund has to be relinquished to...

My husband and I filed ch 13 in April of 2009. We have since then separated, he got the truck and is paying me for it. What I want to know, is if I can convert to ch 7 without him. I don't have anything in the bankruptcy that I can lose, besides the truck, and my figuring is if he's paying me for it,...

Last night I got a package from my Trustee with all sorts of info. I was really EXCITED. I did, however, notice that it was the ONE trustee that I didn't really want to draw, because he has extra "above and beyond" requirements... such as a required orientation. Bleh. But as I read through...