Hi Everyone!
I read all the posts all the time, but I haven't made any posts lately. I filed chapter 13 back on 2-28. My claims bar date has now past, it was June 28th and all of my creditors filed a claim with the exception of my second mortgage which was $45K!!! No money for them!!! The total of my claims are $120K!
My confimation has been continued every single month with the next one on August 10th. My payment right now is $1500 which is less than I was trying to pay the creditors pre-bankruptcy.
My attorney filed the AP to have the 2nd mortgage stripped last week so it does seem like were moving along. He also filed a new budget as the trustee had issues with a few items I included. My payment will probably go up about $90 due to these changes, but we should be ok.
My husband's car died so we had been borrowing his mom's car, but we got a replacement over the weekend, so hopefully this one will last at least a few years!
Overall, so far and as long as the payment doesn't go up anymore, I am very happy with filing chapter 13. My cell phone, home phone and work phone aren't ringing off the hook any longer and I'm not receiving anymore threatening letters in the mail. My husband just got a raise, and I should be receiving one in the next few weeks.
I've been couponing, so I've been saving money wherever I can! I checked my credit score and it went from 720 pre-bankruptcy to 530 post-bankruptcy. That bothered me at first but I thought, hey I'm paying cash for everything anyways, we have a house and two cars so what do I need a good credit score for! LOL!
Even though we are only 4 payments in and haven't been confirmed yet, I am satisfied with the decision to file and I am very optimistic about our financial future!
I read all the posts all the time, but I haven't made any posts lately. I filed chapter 13 back on 2-28. My claims bar date has now past, it was June 28th and all of my creditors filed a claim with the exception of my second mortgage which was $45K!!! No money for them!!! The total of my claims are $120K!
My confimation has been continued every single month with the next one on August 10th. My payment right now is $1500 which is less than I was trying to pay the creditors pre-bankruptcy.
My attorney filed the AP to have the 2nd mortgage stripped last week so it does seem like were moving along. He also filed a new budget as the trustee had issues with a few items I included. My payment will probably go up about $90 due to these changes, but we should be ok.
My husband's car died so we had been borrowing his mom's car, but we got a replacement over the weekend, so hopefully this one will last at least a few years!
Overall, so far and as long as the payment doesn't go up anymore, I am very happy with filing chapter 13. My cell phone, home phone and work phone aren't ringing off the hook any longer and I'm not receiving anymore threatening letters in the mail. My husband just got a raise, and I should be receiving one in the next few weeks.
I've been couponing, so I've been saving money wherever I can! I checked my credit score and it went from 720 pre-bankruptcy to 530 post-bankruptcy. That bothered me at first but I thought, hey I'm paying cash for everything anyways, we have a house and two cars so what do I need a good credit score for! LOL!
Even though we are only 4 payments in and haven't been confirmed yet, I am satisfied with the decision to file and I am very optimistic about our financial future!
