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answered on Feb 10, 2020
The interest rate gradually decreases month by month as you make your timely monthly payments.
How long does it take to reestablish yourself after a chapter 13 bankruptcy discharge such as being able to get credit, loans, a home purchase or a vehicle?
answered on Feb 10, 2020
Most of it will be immediately available, however, beware the interest rates because many will be excessive.
How soon after Chapter 13 discharge will federal student loan balances be reinstated and expecting payment?
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?
It's been 39 months my case has been receiving payment and I only have one last payment to go. My case status says interim review Z and I was wondering what that means?
answered on Feb 8, 2020
Simple trustees review for payments and compliance. Pay that last payment and get out ASAP.
The reason I filed is contractors destroyed our house making it unsafe. we fell behind on bills and had to file to avoid losing house. The trustee stated that my house is worth more than I stated; however I informed her about the damage and the amount to fix it. House is now in possession of bank.... View More 
answered on Jan 30, 2020
This is too complicated and the facts too sparse for effective discussion in this forum, and you should consult with an attorney, privately, so that the advice you received is confidential. You may be able to file a motion to compel the trustee to abandon the property, but to do so would probably... View More
My Chapter 7 has been reopened due to receiving assets, the judge ordered trustee to file final report on June 1, 2019 but I havent gotten any information since then and the status of the case is still "awaiting trustee's report"
answered on Jan 27, 2020
There is not usually a deadline, and the order is unusual. It is probably up to you to enforce the order, and ask for the court to impose a consequence.
If that's true, in reality it is counted as income that can pay creditors, which can exclude us from Ch 7 if the SSDI is too high. If that's incorrect or only partly true, can you please explain how SSDI is handled? Many thanks.
answered on Jan 2, 2020
Social security benefits are not counted against the debtor as income on the Chapter 7 means test. The question for the governmental benefits line item on Form 122 expressly says not to include social security.
On the other hand, if you are asking about Schedule I (the monthly budget done... View More
So ssdi is not included the means test but may kick us into chapter 13 if it's considered excess income in the budget section, right?
answered on Jan 1, 2020
If you're asking if SSDI is counted as income for purposes of the Current Monthly Income (CMI) number, the answer's no. It's not counted against you as income on the means test.
Not conceived in this county. This is where her mother moved.
answered on Dec 17, 2019
You will have to get the Addresses and correspond with them by mail.
most debt is personal debt, do I have to sell trailers and tools to cover my debt?
answered on Dec 11, 2019
Your options for personal bankruptcy come in basically two flavors: Chapter 7 liquidation or Chapter 13 repayment plan. If you are eligible for it, most bankruptcy lawyers will try to file you under a Chapter 7 case, unless there is a reason Chapter 7 wouldn't be best for you. So let's... View More
Im not certain which chapter I would need to file. Im divorced & have no assets. I have less than $20,000 debt, such as judgements from credit cards and a previous landlord, medical & miscellaneous debt. I’m also making small payments on federal student loan debt and am in good standing... View More
answered on Dec 10, 2019
Based on the information you provided you would most likely file a Chapter 7 Bankruptcy. Assuming your last Bankruptcy was a Chapter 7 you would qualify for another Chapter 7 since its been over 8 years. One thing you need to consider is any possible inheritance. If you inherit within 6 months of... View More
i filed aug 2019. bank wants full amoint behind before they will reaffirm. bank closed account as soon as bankruptcy filed. I offered them paymemts but they wouldn't accept? what to expect? what do i need to do to keep vehicle?
answered on Nov 24, 2019
Well, your other version of this question on Avvo said you are converting your Ch7 to a Ch13. Kurt O'Keefe gave you a very good answer on Avvo about looking into redemption.
I would add to what he said that if you are converting to Ch13, you need to put forth a proposal in your... View More
answered on Aug 21, 2019
Fines, penalties, and costs that were ordered as part of his criminal sentence would not be dischargeable. However, if this cost is to reimburse the jail for his lodging and food costs while he was there, that could be dischargeable, because it's like rent and an ordinary contract claim. You... View More
DWOL CASES EVERY SENSE
answered on May 22, 2019
That's what I do. www. holisticbankruptcy.com. Please check out the testimonials. We can work by mail, fax and email if you are out of my area. Dean Sheldon 231-932-9388
Them, can the trustee take that money if we file chapter 7?
answered on May 14, 2019
Generally, no. Property of the your bankruptcy estate does not include any power that the debtor (you) may exercise solely for the benefit of [a person] other than [yourself], i.e. your child. See 11 U.S.C. 541(b)(1). Under Michigan law the funds in the UGMA account belong to your children, not... View More
I just received a judgement against me for an outstanding auto loan that my ex husband was suppose to take care of per our divorce decree. I financially cannot afford to pay for this with my current car payment and other bills I have. I have been told that I could file bankruptcy for this but my... View More
answered on May 9, 2019
No, when you file bankruptcy you have to list all of your debts. However, the damage to your credit from bankruptcy is only temporary. If you pay your bills on time after you get a bankruptcy discharge, your credit score will probably go back up again relatively quickly, because your debt ratio... View More
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