Hi all. I haven't written in a long time. We filed over a year ago and have four more to go.
Well, as you can expect we were confirmed. Rather quickly actually - within a few months of the 341.
I'm still Mrs. H. and there is still a Mr. H. and we are still married through all of this. We are still parents to cats whom we love to no end.
I don't frequent the forums much, because, for me, personally, it is how I have been getting through this. The constant reminder is daily anyway. Thank you, to all, though who are here when needed, no matter how constant of a visitor you are. Thank you, also, BKForum, for being the first "happy birthday" e-mail I receive each and every year...
The eternal question for newcomers to Chapter 13 is always - what will happen and will I survive this?
Well, in our experience the last year has been a rollercoaster. The fact is that in our situation we agreed to a Chapter 13 that was unrealistically restrictive with no budget for anything. Food was a stretch.
And our lawyer? Well, we always say that we taught him how to do a Chapter 13 bankruptcy. A nod again to this very forum.
Yet, now after a whole year of time, we are still left with questions.
I still do not understand where the rules of giving up your tax refund and reporting everything to the Trustee are coming from-? We were never told that our taxes would be reviewed yearly and they haven't been so far. All we got was a confirmation saying "pay this amount" - no rules were ever handed to us at all. We still report everything that happens to the lawyer, yet we are told to "just keep paying" - that's all.
Also, here's one they don't tell you about - if you included any delinquent mortgage payments in your Chapter 13 plan, you will not be able to use whatever percentage amount those payments came to for a tax deduction. Yeah, it sounds odd to me, too. Unless, perhaps our accountant is as crumby as our lawyer-?
What they say is true, also. There will be plumbing troubles, air conditioning troubles - even if your system is pretty new - and your mother (who was not recognized by your Chapter 13 Plan, but still lives with you in your house) will lose her job. Well, at least in our case that's what happened.
And, in the last two days, someone from PSE&G will be very rude to you and the cherry on the sundae will be that you will, for the first time in your life - get called for jury duty.
So, how did we get by to this point? We took on extra work. We did call the lawyer first, as useless as he is. Some family helped in little ways. We had tiny garage sales.
Some will flip out, but my advice to you is this - do what you need to do to survive your time in the plan. Within the legal limits of the law, of course.
Otherwise, do whatever you can to get that Chapter 7.
Thanks for listening and I wish you all well,
Mrs. H.
Well, as you can expect we were confirmed. Rather quickly actually - within a few months of the 341.
I'm still Mrs. H. and there is still a Mr. H. and we are still married through all of this. We are still parents to cats whom we love to no end.
I don't frequent the forums much, because, for me, personally, it is how I have been getting through this. The constant reminder is daily anyway. Thank you, to all, though who are here when needed, no matter how constant of a visitor you are. Thank you, also, BKForum, for being the first "happy birthday" e-mail I receive each and every year...
The eternal question for newcomers to Chapter 13 is always - what will happen and will I survive this?
Well, in our experience the last year has been a rollercoaster. The fact is that in our situation we agreed to a Chapter 13 that was unrealistically restrictive with no budget for anything. Food was a stretch.
And our lawyer? Well, we always say that we taught him how to do a Chapter 13 bankruptcy. A nod again to this very forum.
Yet, now after a whole year of time, we are still left with questions.
I still do not understand where the rules of giving up your tax refund and reporting everything to the Trustee are coming from-? We were never told that our taxes would be reviewed yearly and they haven't been so far. All we got was a confirmation saying "pay this amount" - no rules were ever handed to us at all. We still report everything that happens to the lawyer, yet we are told to "just keep paying" - that's all.
Also, here's one they don't tell you about - if you included any delinquent mortgage payments in your Chapter 13 plan, you will not be able to use whatever percentage amount those payments came to for a tax deduction. Yeah, it sounds odd to me, too. Unless, perhaps our accountant is as crumby as our lawyer-?
What they say is true, also. There will be plumbing troubles, air conditioning troubles - even if your system is pretty new - and your mother (who was not recognized by your Chapter 13 Plan, but still lives with you in your house) will lose her job. Well, at least in our case that's what happened.
And, in the last two days, someone from PSE&G will be very rude to you and the cherry on the sundae will be that you will, for the first time in your life - get called for jury duty.
So, how did we get by to this point? We took on extra work. We did call the lawyer first, as useless as he is. Some family helped in little ways. We had tiny garage sales.
Some will flip out, but my advice to you is this - do what you need to do to survive your time in the plan. Within the legal limits of the law, of course.
Otherwise, do whatever you can to get that Chapter 7.
Thanks for listening and I wish you all well,
Mrs. H.
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