I have 40k in debt and won't be able to settle individually. So if I did chapter 13, divided over 3 years that would be about $1200/mo, which I can't afford.

However, divided over 5 years, it'd be about $700/mo, which I could afford.

So if I were on the 5 year plan, would that...

Hello. What would you say is or was your biggest regret or mistake made when going through the Chapter 13 process both:before filing and during the process? Thanks!

Hello again. I may get a promotion soon (EOY) which may increase my salary by 8-10 percent. I am filing for chapter 13 the first week of September. Will the trustee go after the increase? Also, what if the promotion happens before the payment plan has been confirmed? Will the trustee ask for new pay...

Hello community,

I am going through the preparation process to file chapter 13 at the end of this month. I have been stopping the auto draft for most of the creditors. However, I still have a couple more including Lending club that dont allow me to switch it off online. I think I need to...

Hello,

Unfortunately due to some horrendous financial mistakes , I need to file for chapter 13. I have been going through so much stress in the last couple of years and I think it is time to move forward. I am glad I found this forum since it has already helped me find answers to so many...

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...

So I finally filed for 13 and had my 341. Everything went much smoother then I thought it would in my head, I was a nervous wreck and asking a million questions to my attorney and he kept reassuring me he didn’t foresee any issues. He was very right 341 took all of 5 minutes and the trustee recommended...

I filed BK back in 2018. At the time I owed Toyota Fiancial 25,XXX. Per my lawyer I was told that due to the vehicle being so new I would have to pay 100% of the agreement to Toyota. I also have a loan through Santander for a vehicle. Owed 18,XXX at filing date. Santander saying if I’m dismissed I...

In the state of Maryland, am I required to report to the Court if my income substantially increases? I asked my lawyer when I filed 2 years ago, and he said no. But I came across something on Google today that directly contradicted him.

I’m in a 100% plan, and my payment is already scheduled...

I have been in chapter 13 for almost 3 years. I sold my home and bought a new one, pending approval from trustee. My attorney assured me both would be approved. trustee approved sale but objected to purchase and wants more proof I can afford it. Has anyone successfully purchased a home while in chapter...

Hello,

I am 7 months into our chp 13 plan. Making the trustee payment is fine. I acually started door dashing for extra money as needed. This is to help pay for food, clothing, and bills. Is it allowed to work Part time as needed after you case is confirmed? This is not a steady income...

My wife is in chapter 13 bankruptcy. Since she is the beneficiary on my 401K. I am aware that stimulus checks are exempt. I would like to know if 401K withdrawals under the CARES Act are also exempt from the bankruptcy. I am not part of the bankruptcy.

Hello all,

Been browsing the forum for a while and can't seem to find anything quite similar to my case. I wanted to see if anyone had any knowledge or experience with a situation like mine.

I filed for Chapter 13 late last year and am awaiting confirmation soon. My payments...

Good evening all,

I am new to the board and just recently filed Chapter 13 in CA and am terrified of the upcoming 341 hearing and confirmation hearings. As it currently stands my payment will be quite significant and assuming all creditors due file claims will be around 60% of my balance...

Colorado 2017 our house burned down and we lost everything. The only house we could find was higher rent. Months later I get demoted in a political coup and lose roughly 27% of my net income.

2018 we're under so many garnishments and threats of pending new ones we can't afford to live....