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    New here-filing Chapter 13

    I am new here to the forum and just met with our attorney today who we will be retaining at the end of the week. Wondering if anyone has any insight they can provide in regards to the process and what we should be expecting, we are in Michigan.

    Also does the pit in the bottom of your stomach ever go away?
    We are trying very hard to get us out of the situation I have put us into and it just feels never ending.

    Any help, insight, support would be appreciated.

    -Tryinghard

    #2
    Originally posted by tryinghard View Post
    I am new here to the forum....
    Welcome! Glad you found us!

    Wondering if anyone has any insight they can provide in regards to the process and what we should be expecting, we are in Michigan.
    We have several MI members who filed Ch 13. Also there are a goodly number of threads here in the Ch 13 forum area about what members have experienced filing in MI - a search for Michigan 13 should unearth most of them.

    Also does the pit in the bottom of your stomach ever go away?
    Yes, it does. But it usually takes most 13 filers awhile to settle down because our process tends to be a more bumpy, much longer ride than Ch 7s. Getting your plan confirmed will help a lot.

    We are trying very hard to get us out of the situation I have put us into and it just feels never ending.
    You are doing what you need to do to end it - you are filing Ch 13. Good for you! You aren't hiding from the truth any longer. That's really admirable, so give yourself and your spouse a pat on the back for refusing to be a slave to your debt any longer and wanting to do better going forward.
    I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

    06/01/06 - Filed Ch 13
    06/28/06 - 341 Meeting
    07/18/06 - Confirmation Hearing - not confirmed, 3 objections
    10/05/06 - Hearing to resolve 2 trustee objections
    01/24/07 - Judge dismisses mortgage company objection
    09/27/07 - Confirmed at last!
    06/10/11 - Trustee confirms all payments made
    08/10/11 - DISCHARGED !

    10/02/11 - CASE CLOSED
    Countdown: 60 months paid, 0 months to go

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      #3
      Thank you so much. I will do that search now. It is just such an emotional rollercoaster and feels pretty lonely right now.

      Comment


        #4
        Originally posted by tryinghard View Post
        Thank you so much. I will do that search now. It is just such an emotional rollercoaster and feels pretty lonely right now.
        We're here for you. Fellow Chapter 13 debtors!
        Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
        Status: (Auto) Discharged and Closed! 5/10
        Visit My BKForum Blog: justbroke's Blog

        Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

        Comment

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