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The only income my husband and I have is social security income and his VA disability payments. We were married in 2019. Before our marriage, I accumulated much credit card debt. I am now retired, and unable to pay the credit cards. I know that his disability payments are excluded from the... View More 
answered on Jan 22, 2021
Hello there. You are correct that you do not need to input VA disability and Social Security on the means test, but you do need to disclose the income on your schedule I as part of your income. You would also need to disclose it on the Statement of Financial Affairs as well.
Bankruptcy since 2018, never missed a payment. Been doing it successfully, but since covid and working directly with covid patients I cannot get extra work since I'm constantly exposed. So I have not been able to get extra work. Now I cant pay my insurance, pay my utilities or my gas to keep... View More
answered on Dec 15, 2020
If you have been in bankruptcy since 2018 it sounds like you filed under Chapter 13. A chapter 13 bankruptcy can typically be voluntarily dismissed at any time. Although before you dismiss you might explore seeing if you can modify your plan and possibly lower the payment. Under the CARES act, you... View More
I've been reading that you may have to file bank statements, tax returns, etc. I was only told that I needed to file the 60 days of pay statements for my wife and I with the petition and so I did.
answered on Feb 5, 2020
The code requires that 60 days of pay advices be filed or provided, however it is not uncommon for additional pay advices to be requested - especially when you consider your means test looks at the previous 6 months of income.
answered on Feb 5, 2020
It does depend on the creditor. Most creditors are fine with you continuing to make the payments. Some and very few creditors can and will still reposes the vehicle even if you are current but did not reaffirm. I would recommend speaking to an attorney for advice on your specific debt.
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