My chapter 13 In Michigan tax refund portion is silent. Will I get a refund? If so how much am I an entitled to keep if this is silent. I really wouldn’t mind them keeping it if it paid my case off faster but this pandemic has put me out of work and I need all of my refund or pretty close to it.... Read more »
In the Eastern District of Michigan the standard plan requires you to turn over your refund. It is not a matter of the trustee grabbing it.
The good news is you can always amend your plan to account for change of circumstances. Show expenses for any un-budgeted event such as job loss and... Read more »
Went to baker college of clinton township, they told me 2 years and 20,000 and said that would find a job for me
didnt even start on my degree until a year and a half and i got a bill from them saying i have to pay 27,000 dollars or get in trouble, it was just lies after lies from them
Cannot even comment without a lot more information.
Not enough information. Is the case pre 341, post 341, pre-confirmation or post confirmation?
I have a garnishment from my employer. They take payroll taxes off before determining disposable income. What's to stop me from just raising my additional federal withholding by a lot to make my disposable income too low to garnish and then get huge federal refund next year?
Edit:... Read more »
How much is the debt? You are going to have to deal with the debt sometime. If the debt is a garden variety judgment in a MI Court you could ask for a payment plan. Why not file the bankruptcy (if you can). In a Ch. 7 you can get back everything garnished in the 90 days before filing if it totals... Read more »
The money that was in my account was to file bankruptcy, all the courthouses are closed to the public due to the Coronavirus. Everything I had was in my account, now I have no money for rent, food, my car. Is there any way to fight this during a national emergency?
You can still file a bankruptcy. Bankruptcy courts are still operating electronically.
No attorney-I’m on disability fix income can I qualify for hardship discharge? Homestead exemption what does it do?
Do you have an attorney? If so talk to that person. If not you need to supply much more information.
Can I go to jail for not paying my criit card debt
No.
My checks have been garnished since the beginning of my chapter 13 plan and my payments have been paid timely. I am on my last payment for the last creditor that has to receive payment. At what point can I expect to have the income withholding ended so I can receive my full paycheck again?
Check with your attorney assuming you have one or if not call your Ch. 13 trustee's office.
Yes. And if there was more than $600 garnished in the 90 days before the case was filed you can get it back.
will the creditors go after the house if he applies by himself alone for the bankruptcy?
Not enough information. What is the husband's income? What is the wife's income? Can he file a Ch. 13? Could save the house if so.
No limit.
No limit.
I live in michigan.
Also depends on how far behind you are in payments.
In addition to what Mr. Phillips said I would add the additional information that it depends whether you are seeking a discharge or whether for example you need to stop a foreclosure or get back a seized vehicle. In those examples you can file a Ch. 13 right away and get caught up on the past due... Read more »
Keep your vehicle if you are current or can get current quickly. Same on your house. Keep thousands of dollars of other stuff.
If you can file in Michigan you will have to appear at one meeting minimum with a bankruptcy trustee. There is no court appearance in most cases.
Yes , if you want to keep the vehicle or real estate.
i just changed my daughters bank acct and put it in my name to help her save money. the bank took over one thousand dollars said i owed it from a debt. this was covered under my bankrutcy how do i get this money back i have cancer and am in a panic. i have been awareded the bankruptcy in approx... Read more »
Not quite enough information to answer your questions. You need to ask the bank very specifically about the details of the debt. If your daughter is an adult she needs to contact the bank also. Whose money was taken? Hers or yours. What kind of debt did you have with this bank in your prior case?... Read more »
Too open ended question. Many questions need to be answered before giving a complete answer. You need to talk to an attorney.
in my list of creditors it reads that best buy is a nonfiler...did they just say the heck with it?
Creditors have to file a proof of claim (POC) if they want to get paid in the Ch. 13. There is a time limit for them to do that. If the time limit has passed they will not receive anything. If not they may still file a POC.
Really doesn't matter to you since the debt will be discharged... Read more »
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