"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 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?

Just bear with me..
We got behind on our mortgage, and credit cards about a year ago, i lost my job, and my husband had his hours cut back. But now i have a job, and he has all his hours back, we are going to file bankruptcy, and we were going to do chapter 7. But if we do we will lose our home, because our mortgage is not current. And then we thought about filing chapter 13, the repayment plan. would that allow us to keep it? But im so scared we wouldnt be able to afford it.
What should we do…Should we lose the home, clear the debt, and just rent for a couple of years. Or should we file chapter 13, and try our best to stay afloat. We have a six year old, and one on the way…. PLease give me some advice, i have no one to talk to too. Thank you sooooo much!

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.

We are in a chapter 13 repayment plan and have missed the last 3 payments, we are waiting for our tax return to catch up, but does anyone know what happens if you miss the payments? we are in Cali too, if that helps.

Were thinking about filing bankruptcy and doing a Chapter 13. Only because our 2nd mortgage sent us to collections for the full amount. Right now we pay 0 a month in credit card fees. Someone told me yesterday that my repayment plan would be much higher that that. Is that true? I thought I would only have to pay up to 15% back in the unsecured debt. Do any of you have the answer? What is the point in filing Chapter13 with a higher payment? I can barely make it right now, in fact we can’t make it.

I live in Michigan. I filed Bankruptcy Chap.13 and was basicially denied, cause the monthly repayment plan would not leave me with much money to live off of. Now my house is going back into Foreclosure. My lawyer suggested that if I want to keep the house I could pay what I owe (about 13,000) and can keep making payments. Or I could surrender my home up to Chapter 13 stay here for about 8 months and save my money to put down on another house. What are my options at this point? Am I able to stay here and save some money for 8 months to a year, after foreclosure with out being kicked out? Are there any more options that I may be able to use? Thanks for your input.

We bought a house a couple years ago in Texas. We live in this house. We are self employed and the economy had hit us pretty hard. We have not made a house payment in five months. Money is starting to come in again and we can now afford the 00 a month, but we can not afford the back debt.

We called our mortgage company (Suntrust) and they told us we had to talk to a loss mitigation counselor. We received a letter stating the house will be sold on January 7th. The loss mitigation people are telling us we have to wait for them to call us before they can help. They say it takes up to 30 days to receive a phone call. Well, if we wait for them to call, the house will already be sold at auction. What can we do? They will not talk to us at all. We do have a HUD backed loan. We have called Hope Now and that did not seem to help. HUD has a wealth of information online about reinstatement, forbearance, and repayment plan options. We can not contact anyone to help us try to qualify for these options.

If we can not reach loss mitigation, what are our other options? We received a couple letters from lawyers regarding bankruptcy. The letters mention chapter seven and eleven. If we can save our house with bankruptcy, what is the best way? Any ideas on how to get loss mitigation to grant us some extra time so we can work for them? Thank you for all your help.

When filing Bankruptcy Chapter 7 do they go by your Gross or Net? Also were thinking about filing Chapter 13 but I heard I will probably owe more monthly filing 13 repayment plan. Which right now we pay well over 0 a month, and we can’t make it. So I guess what are my chances of having a lower payment for filing Chapter 13? The reason we want to file Chapter 13 and not 7 is because our 2nd Mortage wrote off our loan and sent us to collection for ,000.00 and if we go with 13 it will get rid of that. I would rather do Chapter 7, but I don’t know if we make too much money….

Does anyone know what type of calculation is used when a payment plan is calculated. I need an idea of what kind of repayment plan I am looking at. I make approx 50K and have approx. 13000 worth of debt. And – how do they decide if it is going to be spread out over 3 or 5 years … any help would be greatly appreciated.

I have been in a Chapter 13 repayment plan for the last year. Due to my adjustable rate mortgage, my payment has gone up. At the beginning of the plan I did not sign a reaffirmafication on my mortgage, but I have continually paid my mortgage payment on top of my Chapter 13 repayment plan and now with my mortgage payment going up, I can not afford to pay the mortgage. I think it would be best for me to let the house get foreclosed on, but I want to continue making the Chapter 13 payment.

Question 1: If the house sells for less than what is owed, am I still responsible for the deficiency?

Question 2: Will I still be able to make my Chapter 13 repayment plan at the same amount that I’m paying now?

Question 3: Will I still get my full tax return refund?

Question 4: Does anyone know if Massachusetts has a foreclosure dificiency law while I’m in a Chapter 13.

Any advice would be helpful!

Thank you.

I filed for chpt.13 in Nov 2006. I am paying a 1500.00 mortgage, and a 1400.00 payment on the Chpt. 13 repayment plan. I have had tremendous trouble keeping up with the trustee payments.My Bankruptcy lawyer contacted me and said the trustee is going to close my case on monday unless I pay a back fee of 4500.00. Needless to say I dont have the money. I have a house on the market and a closing date of Sept 14th. The lawyer suggested that I let the trustee close the case and go to settlement on the set date to save me some money. My question is I have a vehicle and back taxes in the Chpt.13 plan. How does that factor in after the sale of the house? The lawyer suggests getting a tax attorney for the back taxes I owe. So what about the car? Also, since the trustee is going to drop the plan on Monday, what does this mean in terms of my credit and how it is reflected on my credit report. Is it still reflected as an open bankruptsy? Also, what about the money i paid into the plan? Help!

I’m very behind in all my bills and have lots of debt (excluding credit card debt) and am considering filing chapter 13. I have already been to the .gov website and read up on a lot of information about filing and everything.

What I was wanting help with is I’d like to hear from people who have already filed chapter 13 bankruptcy and are currently in their 3-5 year repayment plan or people who have come out of it already.
I can read information all day long but theres nothing like hearing from people who have already been through it. Was it worth it? Pros? Cons? Any advice? Thoughts?

Anything would help and be greatly appreciated.

I’m very behind in all my bills and have lots of debt (excluding credit card debt) and am considering filing chapter 13. I have already been to the .gov website and read up on a lot of information about filing and everything.

What I was wanting help with is I’d like to hear from people who have already filed chapter 13 bankruptcy and are currently in their 3-5 year repayment plan or people who have come out of it already.
I can read information all day long but theres nothing like hearing from people who have already been through it. Was it worth it? Pros? Cons? Any advice? Thoughts?

Anything would help and be greatly appreciated.

Hello,
I’ve had a rough year unfortunately. This year started out great, but came January 5th my world started crumbling. I found out I’m getting laid off and then an hour after I found that out, I turned my head for a split second and in that split second, the cars in front of me completely stopped and by the time I looked up I smashed into a Honda Civic and rammed it into a tow truck and damaged both cars. In one day, my job, my car, and my bills got worse like that. But hey, I survived the crash so I have something to be thankful for and no one else was hurt. The worst news is that my car insurance cancelled on me in November, but I didn’t find out until December 27th. By then, I didn’t have the money to get new Car Insurance, I was strapped on bills already. I had planned on getting Car Insurance January 9th when I got paid, but obviously it was a bit too late. So with no car insurance, my car has sat totaled in my driveway since. The cost to fix it would be over K. A lost cause indeed. For months I’ve been trying to find a way to survive my current and new debts and I was lucky enough to find a great job that pays K a year as a IT consultant. Unfortunately, with as much bills as I owe, its still not enough and I’ve been living on 0 a week for months now trying to pay these debts, but unfortunately other bills have come up, like they always do, and with theats of creditors and the Auto loan suing me and garnishing my wages, I’m beginining to think that my last resort is Bankruptcy. Of course, Chapter 7 won’t work because I make too much money now and there is no way I’m letting this job go as I spent over 2 months searching rapidly and luckily craigslist saved me again. I believe though that I qualify for Chapter 13 bankruptcy which would allow me to create a more affordable repayment plan and protect me for up to 3 to 5 years from creditors coming after me. I’m no expert so I would like someone to review my debts that I’ll list below and let me know what they think. Any help would be great. Thanks

Here is all my debts:
-My Auto loan (Which is the worst decision I ever made) balance is ,500.
-The civic I hit into the tow truck was totaled. I owe 00
-The tow truck has 00 worth of damage that I’m responsible for too.
-I owe 00 on a credit card. Another 0 for another credit card.
-Another credit card (That I let my Mom open under me) 0
-Overdrawn Checking account 0 (Wells Fargo is out to screw you. Overdraft fees and they always seem to put all your transactions before your deposit and direct deposits)

That brings the total to 200. If I had 3 years to pay this off with no interest getting added I’d have to make 3.33 monthly. If I had 5 years, all I would have to make is 0 a month. I’m not sure if its that simple though. It never really is. Also my auto loan is a secured debt and I’m not sure how thats effected and if Chapter 13 protects me against that. Any feedback about my situation would be great. It’s pretty bad, but I’m at the point now where doing a bankruptcy would be relevant as I have 2 more months before these bills start coming after me trying to garnish. Thanks in advance

Can someone help me? I am considering filing Chapter 13. I have an idea on the difference between Chapter 7 and Chapter 13. I basically have two concerns.
1. If I start to file for Chapter 13, whether I get approved by the courts or not, will that keep creditors from pursuing legal action to garnish wages and/or put a lien on my home? Can they continue to try and pursue legal action to collect during the filing process before it is approved by the courts?
2. I am in foreclosure with my home but currently working with lender for either a repayment plan or loan modification to stop foreclosure. Foreclosure process stops once payment option worked out. Do I have to declare my home when filing Chapter 13? Will I lose my home? I don’t plan on doing anything until I know what the mortgage company says. Declaring bankruptcy before I finish the work out program with lender will continue foreclosure process. I’ll lose my home for sure.

I am considering filing Chapter 13 Bankruptcy and know that I will have to pay back the creditors under the repayment plan between 3 and 5 years. I am trying to figure out how much I will be paying per month to the trustee.

I live in Florida, have 000 in unsecured credit card debt, 000 in a car loan and pay 00 a month in child support.
I make about 000 a year gross.

A friend of mines husband filed bankruptcy in 2002, under the old law, he had a 5 year repayment plan. The bankruptcy ends in Febuary 2007, when is his bankruptcy dischared so they can look to buy a home, the morgage company wants a discharge paper from there trustee. any help would be great.

We got a large tax return this year in early February. We are now in the process of filing chapter 13 and have to provide 6 months worth of income history. Will the trustee consider our 5,000 tax return as part of our income? I know that they will take future returns. We actually had to file an amendment and now have to pay 2,700 of that back anyway, so it was really only 2,300 in excess. Also, can I include this tax debt in my repayment plan?