(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...
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Vehicle Cram Downs
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Waiting for confirmation CH13 - FL - update and two questions
Hello. It's been almost 4 months since I filed, 2 1/2 since my 341 meeting, a 1 1/2 month since POC deadline and initial confirmation hearing (a FLA thing) and about 3 week since the last day for creditors to argue a discharge. It has been very quiet. No objections, no plan changes, no pacer updates,...
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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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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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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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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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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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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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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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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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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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