years ago I purchased a 2 BR mobile home. The interest rate of the loan was at 18%.The total amount borrowed was 32,000.00. After 2 years I had another child now making the home too small and after 4 years of making all my monthly payments in full and on time, I realized I was getting no where fast. So I decided to file for chapter 13 bankruptcy which would consolidated the amount of the loan down to only what the MH blue book value was which was 16,000.00. I then made 3 yrs of payments through a trustee and I now own the home, but with no land attached it’s worth the same as a car. I have a substantial amount of income and have been on the same job for 6 years, but due to the bankruptcy my credit sucks and I can not even get financed for a new bed. My bankruptcy was complete and discharged a little over 1 year ago. From what I understand I need to be discharged from bankruptcy at least 2 years before I can get approved for any loan. I am in desperate need of a real home.

I have been going thru a Chapter 13 Bankruptcy and just received a letter stating
ORDER ON TRUSTEE’S MOTION TO DISMISS WITHOUT PREJUDICE
What does this mean??

I did talk with my attorney about this but he gave me no kind of answers, so I will not use him again, for help. I am currently in a Chapter 13 Bankruptcy, and what I wanted to know could I stop paying on this one and let them discharge it, and then turn back around and file either a 7 or a 13 which ever one will be best for me. The problem is this: I have alot of medical problems and at the present have 00.00 in medical bills I just cannot pay. I have tried to pay on them, but just do not have enough of money to pay them, for I don’t make much at all.I do want to keep my house, and I do have a 2nd mortage on it for about 4000.00. Could I do a 7 and keep my house, or would it be best to do another 13. And can I do one after this one would be discharged? I am so mad at this attornery for everything I asked him, he would say, I don’t know, but yet he was telling me to quit paying on this one and let them discharge it and then come and see him, but he could not give me specific answers as to these questions I am asking above. I know I will have to retain a different attornery for I will not use an idiot like him. Can you please give me some answers for I am in a mess, for I have no medical ins. at all, and I am all alone with no one to help me with this. I have been told if you file a 7 that a 2nd mortage can be terminated also, is this true? Any help will be so deeply apprecitated and please no smart answers for I am under so much stress about this, What can I do?

ok i filed chapter 13 bankruptcy 3years ago and have been making payments on my car i recently converted my case to chapter 7 i wanted to keep my car and maintain payments but found out that i was behind somehow by like 00 and they say in order to keep my car i have to pay that 4k can they repo my car if it has been charged off i live in texas ,000 is what the total pay offf is need answers plz asap thanks

"I am currently in a chapter 13 bankruptcy and need to find a place to rent. I am not a bad person but have had some really bad things happen and had to get on a repayment plan through the courts. Now I need a place to live. Will I be able to rent from someone in my situation? I am a single parent and I need a home for myself and my child. I’ve been on my job for a long time now but need to find a place that rents for less than what I was paying to make ends meet. I moved with my parents but can’t stay here for long because of the space. Will I get turned down if I try to find someplace to live? I am willing to pay extra deposit or rent if reasonable. Does anyone know a website that address this situation.

I filed chapter 13 bankruptcy 5 years ago. I finished it a year ago and was informed that private sallie mae loan was defaulted and turned over to Allied Interstate. I contacted them after my ch 13 was finished. Allied Interstate said that After I pay 3 months of payments that they can put me in the 0.01 percent interest payment plan since my loan has been charged off. This has never happened. After 6 months I would call Allied and they would tell me something like check next month. Now it has been 9 months, and Allied has told me that there is nothing that they can do, and the guy tried to get me to settle with them ,and find a loan somewhere.

Every time I call Sallie Mae, they transfer me to Allied Interstate. I have been making these payments on time for 0.00 and my loan total has been going up instead of down. What can I do?

So my hubby and I joined a debt settlement company to help with our k debt. It was originally for 48 months, we have completed 18 months and payed off some debts already. So now I have been served with 2 summons from 2 of the debts. the debt settlement company tried to settle with them, but they want way more than we can afford) Has anyone been thru this? My options are go to the court date and see what judge decides I have to pay, pay the huge amount they want(which we can do for a couple months but then just default again) or do Chapter 13 bankruptcy. This is just awful because I feel we were on the right track paying off the debts and learning how tomdeal with credit. I live in Texas so they cannot garnish wages or have a lien on my home. They can only put a levy on our bank accounts, which we no longer have direct deposit and have minimum cash in there in order to avoid them taking everything by surprise. Any opinions?

I just paid off a chapter 13 bankruptcy about a year ago, so I am trying to help boost my score as much as possible.

I had to find a place that would work with me and the trustee for a car loan while I was in my chapter 13 repayment plan. I found a place, but of course the interest was high (19%). I have about a year left till it is paid off, and I have the money to pay it off now (a year early). The difference between the pay off and balance is only about 0.00.

I thought about paying it off, but would it help my score increase more by making my payments for the remainder of the loan?

My father died a few days ago. I’m 19 going to college on a scholarship, with just a part time job at fedex. I have to handle everything that my father left behind. My mother simply doesnt know anything about anything.
My parents filed for chapter 13 bankruptcy, and my father owns land in colorado. And of course theres the other things that I have to deal with such as the mortgage, insurances, general bills, vehicles, etc.
Do I need a lawyer to help me sort out all of this? What would that cost me? Do they require a lump sum payment, before or after their service???
Any other advice would be much appriciated.
My father was a 30 year retired Air Force veteran. The funeral is virtually covered by the VA, I’m not worried about that. Its just everything else.

In 2006, my husband and I filed chapter 13 bankruptcy. We were living to next to nothing during that period. I had to quit my job as a nurse aide because of a shoulder injury so that impacted our budget pretty hard. We paid all of our bills on time and still had a little money left over. In April 2007, our plan was confirmed and we had no debt except the court payments and regular bills. July 2007 we moved from a rental unit to an apartment which was much closer to my husband’s job. Gas was close to a gallon and the transportation costs were sky high. We always had problems receiving our mail at our old unit. We received other resident’s mail and vice versa.
I was concerned the first few months at living at our current address because we received very little mail. I finally contacted all of my utility companies and car insurance only to find out that all of my mail was being mailed back to them. I managed to clear up the mess, but important bills were now a few months late and we had to make payment arrangements with all the companies involved. We had two catalog companies that I bought my clothes through sometimes and had a small line of credit with them. I paid all of these companies off eventually.

In 2009, we received a letter from a debt collector stating we had an open credit card. I asked them to verify the debt. I never received any letter back from them. They kept on sending out bills though but couldn’t verify the debt. I sent the letters to my bankruptcy attorney and the bills stopped. A few months passed, another collection agency, same debt. Same thing happened as the first. Six months later, another collection agency, same debt, same response. Never heard from any of these collection agencies again. I finally got fed up and put a fraud alert on our credit report. The alert was released in January, guess what a new collection agency contacted my attorney regarding the same old credit card. I talked to someone at our attorney general’s office, the fact that they don’t have our old address is suspicious because we never have taken out any credit cards since filing the chapter 13. This is why I’m suspecting ID theft. I checked my credit report just last Saturday and found another credit card that couldn’t be mine. So this makes 2 suspicious cards that probably aren’t ours because we never applied for any cards. What can you do to stop the possible ID theft credit card from being acquired by other junk or third party debt agencies? Has anyone else dealt with ID theft? We are currently under bankruptcy protection so I believe that no one can sue us. I did find out that the credit card holder wrote off this debt as a bad debt. We have never ever been contacted by the original creditor. Thanks
I just filed a complaint with the FTC about the credit issues. The counselor suggested contacting my local police and filing a police report with almost certain ID theft. You think it can’t happen to you! I had horrible credit and still someone managed to get credit off of my poor credit rating. I probably now will have to take steps to clear up the ID theft. I will never, never ever use credit cards again. Look what they’ve done to our country. Thank you for all of your answers.

We bought a house by land contract 2 years ago. We have never missed a payment and the mortgage is, as of now, paid up to date. The guy we purchased from (the guy who still holds a mortgage on the property) was a small business owner and his business went under. Now, he is filing Chapter 13 bankruptcy because of his business losses, but this only allows him to protect the house he personally lives in, despite the fact the mortgage on this property is good. His lawyer is telling us to just keep making the mortgage payments (directly to the mortgage company rather than thru him) and well be good because it’s not in default. The mortgage is thru GMAC, who we hear are not fun to work with. Are we going lose the house? Should we stop making payments? Scared sh*tless right now, we have three children, have invested a lot of money into the house on renovations (roughly K), and we recieved the K Home Buyers Tax Credit when we signed the contract. Feel like we’re in deep. HELP!!!

I am interviewing with the NC DOC and it is looking good as far as I can tell. I am a 10 Year military veteran and a EX Deputy Sheriff that worked corrections for 6 years in Virginia. I am excited about the opportunity if I am offered it. i think the only thing that might hold me back in the I had a chapter 13 bankruptcy 2 years ago but it will paid off this month. I had to file due to a job loss.

What is the academy like? Is there allot of Physical fitness, do you have to sleep there, how long is it etc…

Long story short. My private student loans went into default after my chapter 13 bankruptcy was finished. It got turned over to Allied interstate.

I set up a monthly payment with them 9 months ago. I was told that after 4 payments have been made that my interest rate would go to 0.001%. Right now they are all around 7-10%.

My interest rate has never changed. I contact the collection agency about this and keep getting sent to the same lady when I call who now avoids me, and never calls me back. I always get a voice mail, or someone telling me she is not there.

3 weeks ago I finally got a hold of her (used a different phone), and she told me that it will start to be that low interest rate the following month (says every month). When I told her I would like them to send me something stating how much I owe and the total amount of payments. She then "talked" to her supervisor and he said that Sallie Mae just happen to be sending out letters that following monday. Never got it! (that was 2.5 weeks ago)

I am paying a huge monthly payment in order to pay these loans off, and when I log in to Sallie Mae to check my account the balance is just getting higher due to the high interest rate..

What can I do now???

My husband and I filed Chapter 13 bankruptcy in October of 2008. We have came to the crossroads in our life where we can not afford the monthly payment for our chapter 13 Bankruptcy any longer and still be able to provide for our family and we have 2 small children. We have contacted our lawyer and explained our particular situation to him and he just does not seem to care. He stated that the payment was as low as possible and still be able to pay out in the 5 year time period. We are researching converting from a Chapter 13 Bankruptcy to a Chapter 7 Bankruptcy. The only asset that we have is a 2004 Chevrolet Trailblazer LS that we still owe more than 10,000 dollars on and they are only paying 108 dollars a month toward this as they are paying the lawyer as well. Can someone please explain what the pros and cons would be to converting to a Chapter 7 Bankruptcy? And if this is even an avenue that we can look at.

They can get a no money down loan, BUT the property doesn’t have a garage & they will need to build one. The garage is what they want to draw from the 401K for.
I am dead set against this. They THINK they can just take out the money with no penalty & not have to pay it back at all. I think that is wrong.
Mom is a homemaker, Dad has a good paying factory job. He is SUPPOSE to be less than 5 years from retiring!! Mom acts as if she knows their finances inside & out, but when I was a kid, she "handled" the finances by maxing out credit cards & they had to file chapter 13 bankruptcy.
I so badly want my parents to move into a home of their own & stop renting. I think the home they are interested in is the best one suited for them. However, I’m afraid that my dad is going to be the one who suffers because my mom is out of touch with what taking that 401K money means.
Yes, Dad is passive & doesn’t like to "wrestle" with my mom.
It seems so much simpler to just leave the 401K alone & take out another loan for home improvements…….HELP
How do I convince them NOT to use HIS 401K towards a freaking garage?

So here is my story. I filed for Chapter 7 I believe back in 2001 or 2002. It was a horrible experience and probably lowest point in my life! Since then, I’ve slowly and gradually just paid my bills on time and just bottom line, learn from my horrible mistake and move on.

Just the other day, I proposed to my girlfriend, BOY was that nerve wrecking! But I can’t believe I actually took that huge gigantic step. BTW… she did say "YES"

Since it’s only been a day or so, we have to sit down and open up about what "we want" for our wedding and future. One of those scenarios is, buy a house, condo or even rent. She has pretty good credit and me… well, I have that Chapter 7 on my record. So I went into the Free Annual Credit Report website and looked how it looked from years past. "Considering" the past, alot of the bad stuff has dropped off but I noticed that the one that concerned me the very most looks like it might drop off at the end of this year?! Can someone here take a look at it and give their opinion? Here it is:

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The following items obtained from public records appear on your report. You may be required to explain public record items to potential creditors. Any bankruptcy information will remain on your report for 10 years from the date of the filing. Unpaid tax liens may generally be reported for an indefinite period of time depending on your state of residence. Paid tax liens may be reported for 7 years from date of payment. All other public record information, including discharged chapter 13 bankruptcy, remains for up to 7 years. The amount listed on the public record is not a balance. The amount reflects the original amount of the public record item.

CALIFORNIA FEDERAL COURT Docket# 211630

Type: Chapter 7 Bankruptcy Discharged
Court Type: Federal District
Date Paid: 04/2002
Assets: {content}
Date Filed: 01/2002
Responsibility: Individual
Plaintiff: JENNIFER ARAGON
Liabilities: {content}
Estimated date that this item will be removed: 12/2011

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Let’s say we do decide on a home, or condo or what not… AND this does remove 12/2011 as it says… would I still have to let the lender know about my Chapter 7 filing??? Wish us both luck!

Thank you most greatly for taking the time to read my question!

The truck is valued at 17000, but I only need 10000. I’m 8 years out of a chapter 13 bankruptcy. I’ve tried my bank but had no luck.

My wife and I are filing chapter 13 bankruptcy. Our lawyer told us today that we would have to go to 2 hearings in court once we sign the papers for the bankruptcy. What exactly happens at these hearings? Are we going to get bombarded with questions by lawyers from the creditors? Is it a fairly smooth process I mean once we sign the papers the trustee has approved the repayment plan right?

I am currently in a chapter 13 bankruptcy. My case was confirmed in 4/10 I used this bankruptcy to pay off a lot of debt I had including taxes and put it into a repayment plan. A lot of what got me here is that my holdings were decreased. During 2010 I forgot to claim 0 on my w2, and so I owe some taxes for 2010. I owe about 1300 dollars. I have now changed my w2 so that the irs takes the max out of my paycheck. Do I pay these taxes separately? What are my options. I can pay the 1300. I just don’t want my case dismissed. Any answers would help me a lot Thanks.

if a bank takes some money from your savings account to bring a loan current while you are protected by chapter 13 bankruptcy