top Ad Widget

Collapse

Announcement

Collapse
No announcement yet.

Query re: Chapter 13 repayment plan

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

    Query re: Chapter 13 repayment plan

    I've been reading the forum for hours and learned a lot, but here's my question: I've just filed Chapter 13 and the only thing missing was the repayment plan. My papers were prepared by an attorney who just closed her practice; she urged me to file pro se as she was giving me all the forms (filled in). So I have done so--but I have looked and looked for a form for the repayment plan and there doesn't seem to be one.

    I have found a couple of samples for different states, but I need to make sure mine is right for NY state. Is there some standard form or somewhere I can see samples? Is this something I could do easily by using PACER?

    Many thanks for answers--this has been driving me a bit nuts and I realize there's a long way to go yet. I'd like to keep doing this on my own but am irritated that I'm stumped at what seems like a relatively simple step (though important, I get that).

    #2
    find another attorney asap. don't try chapter 13 on your own.

    Comment


      #3
      I'm in Florida. I don't have a document called a repayment plan, per se. My repayment plan is outlined in my "Chapter 13 Plan" that was originally filed. It lists my payment (bottom line of Schedule J), the number of months, all the fees, and all the claims. My first payment was due within 30 days of filing.

      I agree with rockingramma, though, about hiring an attorney. Filing the claim is the "easy" part. My attorney filed the original plan, and the trustee objected (evidently my trustee initially objects to every plan). We ended up filing an amended plan (which was also objected to). Some of my expenses were abnormally high, but I had receipts to back everything up. My attorney worked all this out with the trustee and I now have a workable plan. Plus there are forms that have to be filed every year. I get the impression that my trustee is not very forgiving and if I were to screw things up, my plan might not be discharged. My attorney is worth every penny. I actually checked filings on Pacer to see who the attorneys were in my area that filed a lot of cases and picked one.

      Good luck, but I would definitely think about getting an attorney who knows what they're doing. You've got a lot at stake and having your case dismissed would surely be devastating.

      Comment


        #4
        If you had to read this forum for hours, the hours for research to file your matter pro se will take a large chunk out of your life and time to to even get to the point where you think you can file. Don't risk the chance of issues and problems. Chapter 13 can be very complicated and many on here can advise. May I suggest that you call your State Bar Association (in the phone book under your "State" section). Explain your situation to them and ask for the names of some reputable attorneys specializing in BK in your area. That is the best advice I can give you to put you on the right road - best of luck to you!
        _________________________________________
        Filed 5 Year Chapter 13: April 2002
        Early Buy-Out: April 2006
        Discharge: August 2006

        "A credit card is a snake in your pocket"

        Comment

        bottom Ad Widget

        Collapse
        Working...
        X