I am not a joint card holder. My name is no where on the account. They just helped me out when I was having money issues and I agreed to pay a monthly amount until the balance was paid off. Now, there is no balance and they keep taking my money even though they no longer owe the amount.
No. Your payment is your payment unless you file a motion to modify your plan payment. That is an entirely different question. The money you pay to the Ch. 13 Trustee just goes to pay off the other creditors of your case, based on how your Chapter 13 plan is structured.
That is not a question that can be answered in this thread. That, most likely, takes a consultation; an understanding of how bankruptcy works and how it is different than debt consolidation. If you want a shock answer it will be, in my opinion, never do a debt consolidation. But, I cannot say...Read more »
I left in May 2008. Filed for divorce in May 2011. Finalized Oct. 2011. He racked up a 10k hosp bill in June 2011. They are now sending me letters and calling. Also we were sued in 2010 for another of his hosp bills and he has never made his payments. I paid 25 mthly for about 6 years. We owe more... Read more »
I'd have to take a look at what your Separation Agreement says, but there would be no impediment to discharging all of this debt as to the original creditors. The Separation Agreement could cause issues if there was an assumption of debt provision.
What are those expenses comprised of? credit card, a loan from the school, a grant, etc.. Without knowing that, I really can't tell you whether its a debt and whether its dischargeable in a bankruptcy.
The filing of a bankruptcy creates a protective "bubble" of all of your assets and your income from your creditors. Chapter 13, specifically, is a consolidation and pay-back plan. Included in the list, and one of most importance, is paying back mortgage arrears. In most parts of Ohio, your...Read more »
In any bankruptcy filing, all of your creditors must be notified of the filing of the bankruptcy. How you want to treat them and whether they are discharged (or you continue to pay them) in your bankruptcy are questions/issues you should speak...Read more »
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