Originally posted by justbroke
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% Payback question
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Chapter 13 (not 100%):- Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank cum Bank of Southern California
- Filed: 26-Feb-2015
- MoC: 01-Mar-2015
- 1st Payment (posted): 23-Mar-2015
- 60th Payment (posted): 07-Feb-2020
- Discharged: 04-Mar-2020
- Closed: 23-Jun-2020
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shipo if you're going to be inconsistent, be consistently inconsistent!Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
Status: (Auto) Discharged and Closed! 5/10
Visit My BKForum Blog: justbroke's Blog
Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.
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There are even trustee differences within the same district. In Atlanta, one of the chapter 13 trustees let you keep tax refunds of any size. The other trustees let you keep $2500. If you go to the central district of California, you keep only $500 no matter the trustee but it used to be that one of the trustees let you keep nothing. I'm sure there are huge trustee differences in the scrutiny on your schedule I and J and there might be differences in your assigned assistant trustee. Maybe you can get away with 2 months worth of medical receipts. Maybe you need a year's worth of receipts. The only thing that's consistent is that nobody takes your word for it on your expenses if they are higher than usual.
Individual judges can vary alot as well. Sometimes you can do a motion, sometimes you need a full blown AP depending on what you're trying to do and which judge you have.
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