Laid off and in Chapter 13

[mountanddo]

It's not a move at all. They simply are "unlaying" me off. Same job, same pay as far as I know. The whole company gets their raises in January so I assume if they are giving them out I will receive a pay increase then. Everyone is telling me get more money or make some demands. I'm not stupid. They are offering me my job back so I'm taking it with very little questions asked.

[Pjmax]

[QUOTE=Sammie;589708]

Way to go PJ!!

M--everything PJ mentioned is correct. ( I think we worked together in the Personnel Dept) lol

Sammie, I was thinking we're just, uh, 'older', and have been around the block a few times!

[mountanddo]

They may be doing that because of the provision of the Obamacare that employers are going to be hit with. Are you possibly going back as an 'Independent Contractor'?

I'm not sure what you mean here? No, I will still be a permanent employee.

[HeyGirl]

Why are your payments only $100 per month?? You can't owe too much debt then. Why did you file a 13??? Just curious

I was given notice with 17 other people that we will be laid off as of 12/31. Will the bankruptcy court allow me to continue with my Chapter 13 even though I am on unemployment? My payment is $100/month and I'll be getting about $1,200/month from unemployment. This is if I don't find a job before then which the way things are looking job are few and far to come by.

What really irks me is that this company called me a year ago when I was working another temp job and hired me two weeks before they laid off 23 people. I had previously left because they weren't hiring at the time and I was working there temporary.

I pray that as long as I pay the monthly payment that they won't care that I'm currently unemployed. I am one year in with two to go.

[mountanddo]

Why are your payments only $100 per month?? You can't owe too much debt then. Why did you file a 13??? Just curious

Payments are based on DMI not what you owe.

[HeyGirl]

Payments are based on DMI not what you owe.

I know that but only $100??? wow...

[mountanddo]

I know that but only $100??? wow...

Think about it............It means I don't make any money. LOL Nothing to envy really.

[Sammie]

MT Just curious how is everything going on the job for you? Happy New Year. sammie

[forgotten]

I know that but only $100??? wow...

Some people only have payments of $50, maybe even less. Low payments drive me nuts as I am paying $1,000/mo (not including mortgage and cars). But I have to remember that we are all in the same boat. We are all getting rid of all of our DMI no matter if the payment is $1 or $10,000.

[Pjmax]

What drives me nuts is: people complaining about those in 13 with low payments, or those in 7 with no payments. I would gladly pay $1,000 a month if I could have the income again, and the assets (like a house) to hang on to. According to my paperwork, I BK'd about $26,000. At the time I was first layed-off in 2009 my debt was about $8,000 and being paid down, and my savings was starting to accumulate. All that extra debt is interest and fees. I am now grateful that at least I have Soc. Sec. income, it's not much. I am also grateful that my rent is low and I can get by.

I would rather have a job. Many in a similar position aren't 'getting off easy'. Please remember it's proportionate to what you have, and what you have coming in. Also remember to be grateful for what you do have, and what you are able to keep.