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chapter 13 bankruptcy x
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  • Selling a house during chapter 13 - Florida

    Hello. What happens if we sell out house in Florida? We currently have over $200k equity in the house based on current market prices. The total amount is currently exempt in FL. But once we sell it (if), will the proceeds of the sale be no longer exempted, and the trustee will require to pay 100% of...
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  • Thingshappen
    started a topic Proof of Claim (POF) Deadline in FL

    Proof of Claim (POF) Deadline in FL

    Hello again. What is the correct POF deadline in Florida. I am getting mixed answers. I have read some posts that states it is 90 days after the 341 meeting. I googled it and got a different answer; it states that creditors have 70 days to file POF after the petition filing date. Per Pacer, the POF...
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  • Thingshappen
    started a topic Changing Tax withholdings over the years

    Changing Tax withholdings over the years

    Hello, I have a question about tax withholdings. We used the IRS website to recalculate the 2022 taxes to ensure that we have enough to pay the tax bill. But we also did it in a way that we either break even or get a small refund (less than $800). So the question is, are you allow to change your tax...
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  • Thingshappen
    started a topic Proof of claims coming in slow

    Proof of claims coming in slow

    Hello,

    We filed at the beginning of September and the deadline to submit claims is during the second week of November. So far only 30 percent of the unsecured creditors have filed for proof of claims. Is that normal? Do they typically wait until the last minute to submit claims?...
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  • Thingshappen
    started a topic Question What are common plan objections?

    What are common plan objections?

    Hello,

    What are common plan objections? I have read that most of the time, the original plan is objected and denied....
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  • Thingshappen
    started a topic Biggest regret Chapter 13

    Biggest regret Chapter 13

    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!
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  • Thingshappen
    started a topic Bonus

    Bonus

    Hello. Is there a chance where a debtor can keep a bonus or part of it? Can a not yet earned bonus (2023) be included in the payment plan?...
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  • Dilemma with potential promotion

    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...
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  • Thingshappen
    started a topic Auto drafts

    Auto drafts

    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...
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  • Thingshappen
    started a topic Question Payment plan

    Payment plan

    Hello,

    Currently, I am getting my ducks in a row with the objective to file for Chapter 13 next month. I have already hired an attorney and he estimated the payment based on my income and amount of debt. The estimated payment seems high but still better than paying minimum payments on credit...
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  • Student loans came due this month - need advice please

    We are 24 months into our Ch. 13 with 3 years to go. My husband was in school for his Masters when we filed. Our plan is actually very, very accommodating and we are able to put a nice chunk into savings each month, and I planned to make the payments outside the plan when I thought they would be between...
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  • Using Chapter 13 Only For Mortgage Arrears

    -Disposable Income: 1,453 (mo) not including Mortgage Payment.
    -Mortgage Arrears: 12,000. 
    -Mortgage Balance: 148,000.
    -Filed Chapter 13 in Texas today.
    -Other Debt: $10,000 loan.

    I'm not receiving pressure for the other loans and can solve them...
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  • Trying to Buy a Used Car after Deer Totaled my car

    We are not even a full year into our 100% payback plan. We received aprox. $3800 from the insurance company for the car that was totaled when a large deer jumped in front of my car. We must have a 2nd car. We have a special needs child that requires Occupational and Speech therapy every week. I am a...
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  • mom2crazies
    started a topic I Want to make sure I understand the 13.

    I Want to make sure I understand the 13.

    I was going to ask this on a couple of other threads, but didn't want to hijack, so I thought I would start a new one.

    Anyway, I am preparing myself for the worst, which would be a 36 mo. chapter 13 (because, we are under median for the 7). I plugged in all of the income (incl. my SS...
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  • cmy
    started a topic Just got confirmed..

    Just got confirmed..

    Our chap 13 was just confirmed this week. Our plan is NOT a 100% plan but with children and what we're confirmed at monthly, it'll be very difficult for us month to month. I'm just glad to be confirmed because it took 4 months. My questions are:
    1. How often does the Trustees look/audit our income/expenses....
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