I'm here looking for help and advice. Let me first explain my complicated situation in as brief a manner as possible. In July 04 I filed for Chapter 13 and got on a 100% 60 month plan. My payments are direct drawn from my payroll checks. My plan is "scheduled" to be over in July of this year. 2 years ago I surrendered a leased vehicle of which my plan made the payments. I jumped through the hoops and got another vehicle of which my plan also pays the payments. The payments for the new(er) vehicle are $ 75per month less. In my mind that means that for the last 2 years that $75 per month would be applied elsewhere possibly making my plan end earlier?
Last summer(08) I received my yearly statement from the trustee. It stated that I had $xxxx left to pay on my plan, not including the monthly car payments. At about the same time I disocovered the trustee's website to review my plan. When I added up the "principal owed" column in my plan the amount euqualled the same amount as in the letter. It appeared to me that some creditors had not filed claims, which means that I wind up paying less. Based on that and my bi-weekly payments I calculated that I should be done paying as of Nov 08.
In Oct 08 after about 10 calls and phone tag with my attorney he said that it looked to him as though I would be done paying on schedule in July. I explained my findings to him. He told me that he has to do a review of my account 4-6 months prior to the completion of my plan, and he would do that a bit early to check out my claims.
Well, as of the end of the year(08) the court stopped paying anything except for my car payment. The "principal owed" column stands at $92. December, Jan and Feb my money on hand at the court has ballooned to 40 times the "$92 owed" and they continue to pay only my car payment while my balance on hand increases every 2 weeks. I have called my attorney to check on the status of that review I was promised over 4 months ago and I get no call back. Even if I have to pay the entire amount that was scheduled I will pass that amount up at the end of May, not July. I have tried to talk to the trustee and they will tell me nothing, only saying to call my attorney which gets me no results. I have no clue what to do at this point. I know that if I overpay I will get that money back. I would like to start getting full paychecks for the first time in almost 5 years and start to re-build my financial life. Any suggestions?
Last summer(08) I received my yearly statement from the trustee. It stated that I had $xxxx left to pay on my plan, not including the monthly car payments. At about the same time I disocovered the trustee's website to review my plan. When I added up the "principal owed" column in my plan the amount euqualled the same amount as in the letter. It appeared to me that some creditors had not filed claims, which means that I wind up paying less. Based on that and my bi-weekly payments I calculated that I should be done paying as of Nov 08.
In Oct 08 after about 10 calls and phone tag with my attorney he said that it looked to him as though I would be done paying on schedule in July. I explained my findings to him. He told me that he has to do a review of my account 4-6 months prior to the completion of my plan, and he would do that a bit early to check out my claims.
Well, as of the end of the year(08) the court stopped paying anything except for my car payment. The "principal owed" column stands at $92. December, Jan and Feb my money on hand at the court has ballooned to 40 times the "$92 owed" and they continue to pay only my car payment while my balance on hand increases every 2 weeks. I have called my attorney to check on the status of that review I was promised over 4 months ago and I get no call back. Even if I have to pay the entire amount that was scheduled I will pass that amount up at the end of May, not July. I have tried to talk to the trustee and they will tell me nothing, only saying to call my attorney which gets me no results. I have no clue what to do at this point. I know that if I overpay I will get that money back. I would like to start getting full paychecks for the first time in almost 5 years and start to re-build my financial life. Any suggestions?