I am filing a 13 100% plan in the next 60 days. I know it's unknown how many creditors will file claims but wanted to see how others made out in their 100% plan? I am keeping my cars and continuing to pay my mortgage with this plan. I have 97K in unsecured debt and owe 11, 500 to the IRS . My largest unsecure is 25K with Best Egg. Has anyone had experience with them or lending club and prosper? Thanks!
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It's entirely random. Most of the creditors will sell the debt to one of the junk debt buyers (e.g., LVNV, B-Real, Midland, Resurgent, etc.) The JDBs are very good at filing claims in a Chapter 13. As I think you have read, some creditors miss the deadline. Whether or not that happens is anyone's guess.Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
Status: (Auto) Discharged and Closed! 5/10
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Any advice provided is not legal advice, but simply the musings of a fellow bankrupt. -
To justbroke's point, while others have had a few, or even many, creditors not file a claim, others, myself included, had 100% of their creditors file.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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