Home > Tag Archives: chapter 13 (page 3)

Tag Archives: chapter 13

I’m in a Chapter 13 Bankruptcy and Struggling. – Chris

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    I Can’t Figure Out My Chapter 13 Bankruptcy Payments – Helpless

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    Helpless “Dear Steve, Brought 3 cars in 2 weeks in 2007. married truck driver. Job closed 1 year 2 months ago. New job less than half the income. 5 kids. parents took over 1 of the cars and the payment. bad credit. My wife and I went to a lawyer to file chapter 13. Altogether we pay about $1300 in ... Read More »

      Should I Come Out of My Chapter 13 Bankruptcy and How Will It Effect My Credit Report? – Franne

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      “Dear Steve, I filed bankruptcy in Feb of 2009 in order to save my house. I have a base payment. At the time it was figured I had to submit tax returns to the IRS, When the IRS adjusted my debt the Bankruptcy court did not change my base. I contacted my congressman and my mortgage has been modified, I ... Read More »

        Should I Do a Rollback Mortgage or Get a Debt Consolidation Loan First? – Lisa

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        “Dear Steve, I am trying to clear up my financial outlook. I owe approx $50,000 in credit card/unsecured loan debt. I own a home with a mortgage higher than the current value, including a 2nd. I was recently turned down a car loan from my credit union, due to my debt ratio. I am behind on none of my payments, ... Read More »

          Do I Qualify For a Chapter 13 Bankruptcy? – Steve

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          “Dear Steve, Hi Considering chapter 13. I have 500K 1st mtg, 160K 2nd mtg, 100K Cred card (self employment ups and downs). Now working 65K/yr 1st income, 20K/yr 2nd income. Credit counseling says numbers don’t work. BK atty says they can get rid of credit card + 2nd mortgage in the plan. Home appraisal below 1st mtg amt. My goal ... Read More »

            I’m Going Broke in a Chapter 13 Bankruptcy. – Peter

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            “Dear Steve, I am in Chapter 13 Bankruptcy and am paying way too much !!! How do I discharge my Bankruptcy and settle my debts on my own ??? I wish I would have known that the maximum payoff time was 5 years…I would have never filed !!! Peter”   Dear Peter, Don’t panic. Take a deep breath and then ... Read More »

              Can I Convert My Chapter 13 Bankruptcy to a Chapter 7 Bankruptcy Without Losing My House? – Andrea

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              Andrea “Dear Steve, I filed Chapter 13 in 2006 with $ 32,000.00 worth of debt. Now it is 2009 and bankruptcy court say I owe them $ 39,000.00 worth of debt. I have spoken with my attorney about it but, he’s not really communicating with me. I have spoke with someone at bankruptcy court and they gave me a print ... Read More »

                I’m Behind in My Mortgage and Car Payments. I Can’t Get Caught Up. – Dan

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                “Dear Steve, I am one month behind on mortgage. two months behind on two car payments. and am falling behind on other payments. I make enough money to pay my bills per month now but not enough to catch up. If I could just start over. I cant lose my home or my vehicles. Im scared and emarrased!!! My credit ... Read More »

                  Why Does My Husband Have to File a Chapter 13 Bankruptcy? – Jill

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                  Jill “Dear Steve, Husband has gotten soooo far into debt with his charge cards. Went to a bankruptcy lawyer and our only option is Chapter 13, for 5 years. I am not involved in it as I am not joint or nor do I own anything. We are not late on anything or behind on anything. He just owns too ... Read More »

                    Chapter 13 Trustee Wants to Raise Our Payment But We Can’t Afford It. – Lindsay

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                    “Dear Steve, We filed Chapter 13 Bankruptcy April 2, 2009 and haven’t heard much from our lawyer other then him saying that the Trustee has requested more paystubs. We have given all that has been required of us. The Trustee wanted to up our payment from $450 a month to $870 a month. When we filed we were a household ... Read More »

                      I’m in a Chapter 13 Bankruptcy, Getting Divorced and Trying to Lose My House. – Steve

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                      “Dear Steve, Filed Chapter 13 only under my name but wife signed agreement to help pay the 13 off. House is now in foreclosure and I want to save my house and I just filed for divorce. She filed Chapter 7 five years ago. My lawyer claims that my Chapter 13 will protect me against the mortgage lenders but my ... Read More »

                        Is Bankruptcy Right For Me?


                        Bankruptcy Basics Most people think of bankruptcy as a process in which you go to court and get your debts erased. It’s not that simple. In fact, there are two types of bankruptcy: the familiar liquidation bankruptcy, where your debts are wiped out (Chapter 7 bankruptcy) and “reorganization” bankruptcy, where you partially or fully repay your debts. The reorganization bankruptcy ... Read More »

                          I’m Already in a Bankruptcy and Can’t Afford My Payments. Will I Have to Give My Car Back? – Dawn

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                          “Dear Steve, I filed a chapter 13 in 2007, while receiving Long term disability and child support. Since then my child support has stopped due to non payment. My payments have been decreased but I still can’t afford the payments, my income is only $1,133 a month. I have a 2005 Chevy equinox in good condition with 94,000 miles. My ... Read More »

                            How Should I List My Past Due Taxes on My Chapter 13 Bankruptcy Filing? – David

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                            “Dear Steve, I live in California, I was married and my wife and I got into severe ($80,000+)debt and($50,000+) tax trouble. We filed for Chapter 13 in 2004 and erased the debt but left the taxes with the plan of filing Chapter 13. That never happened. We were separated then and finally got divorced in 2009. I remaried in 2009. ... Read More »

                              I Have to File Bankruptcy But My Husband Says He Won’t Support It And Will Leave Me. – Julie

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                              Julie “Dear Steve, I have a failed business and am looking to bankrupcy to receive discharge from SBA personal guarantees and from personal credit card debt used in the business. My husband’s income puts us over the median in our state, I have already been advised by a lawyer that for this reason I will have to file Chp. 13 ... Read More »

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