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    Filing next WEd

    We are filing next Wednesday and we were given a choice @ the free evaluation if we wanted to fo 36 months - $170/month or 60 months - $110/month. Wondering which will be best.
    07-21-2009 filed Chapter 13
    05-02-11 CONVERTED TO CHAPTER 7 :

    09-07-11 DISCHARGED !!!!!!

    #2
    I would go 36 months if you can swing it. 5 years of being under trustee control is a long long time.

    Comment


      #3
      Originally posted by jade73 View Post
      We are filing next Wednesday and we were given a choice @ the free evaluation if we wanted to fo 36 months - $170/month or 60 months - $110/month. Wondering which will be best.
      Filing: 4/10/2009, 341: 5/18/2009
      Last day for objections: 7/17/2009
      Discharge: 7/29/2009

      Comment


        #4
        Yeah thats what I'm thinking. When you say being under a trustee what do you mean? I know they get the money my employer sends them but do they contact you? or is it like being on probation?!?
        07-21-2009 filed Chapter 13
        05-02-11 CONVERTED TO CHAPTER 7 :

        09-07-11 DISCHARGED !!!!!!

        Comment


          #5
          you can incur NO new debt without trustee permission and they aren't watching your every move but ususally they check over your tax returns to see if you are reporting everything to the trustee

          so you aren't "free" to just do as you please without first asking for permission from the trustee (sell your house, sell your car, buy a house, buy a car, cc debt, etc)

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            #6
            Is there places that will actually finance a car or house to someone that is in Chapter 13?
            07-21-2009 filed Chapter 13
            05-02-11 CONVERTED TO CHAPTER 7 :

            09-07-11 DISCHARGED !!!!!!

            Comment

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