What do these flags mean

[MomIcantFindmy]

Our BK is flagged with these flags on Pacer: INTRA, CLAIMS, ReafHdShp, DELAY

I am wondering since we are 60+ days past the 341 and no discharge if this could be the problem.

[JRScott]

INTRA is Intra District Transfer
CLAIMS is Claims have been docketed to this case
ReafHdShp is Presumption of Undue Hardship (Do Not Discharge)
DELAY I'm not sure about

[Priceless ProSe]

Our BK is flagged with these flags on Pacer: INTRA, CLAIMS, ReafHdShp, DELAY

I am wondering since we are 60+ days past the 341 and no discharge if this could be the problem.

reafHdShp= would seem like "re affirmation hardship", maybe you tried to reaffirm a house or car that they think you cant afford, maybe this is gumming things up.

I need to goto sleep, if you have to use "maybe" more than once in an answer, its not really an answer.

[JRScott]

Priceless is probably correct.

[MomIcantFindmy]

Uggg.....the delay is the one I am concerned about. I noticed the ReafHdShp has not been signed off yet by the judge. If the judge does not sign off on it then can I just keep making payments on the vehicle as a ride through?

[JRScott]

Possibly Mom I'm not sure you need to ask your lawyer.

[TEW]

these are my flags no clue what they mean

Flags: 521, FMDue, CREDS, MEANSNO

[MomIcantFindmy]

FM probably means financial management ..the others...I have no idea

[TEW]

I found them
"MEANSNO" means that your case is currently flagged as passing the means test. "FMCertDue" means that the requirement for a financial management course has not been met (this is different from the pre-filing credit counseling). The case can be discharged with the "MEANSNO" flag present, but the certification for the class has to be filed (the "FMCertDue" flag prevents discharge
521 means they are looking for paystub

[reallynervous]

CREDS means "Creditor List Uploaded" according to our District Court's website (PA) .

Hope that helps,
reallynervous

[MomIcantFindmy]

Ok so here is what the attorney's office said..... We reaffirmed both cars and my attorney did not sign off on either reaffirmation. I have to have a hearing before the judge to allow the reaffirmation to go through because we are negative on our expenses. Except we moved and the hearing (which has not even been set yet) will be in another state. UUUGGG......so I am thinking of canceling both reaffirmations and doing a ride through on both cars. I find out all this 67 days past the 341 and freaking no discharge in sight!!
What are the odds of Capital One coming to get the cars if I stay current (both have equity in them) one is a hybrid and gets great mileage? Also, if I stay current on payments how hard is it to get the title after I finish making payments?

[TEW]

As far as I know they can not take the cars back as long as you stay current on the payment. My attorney has told me she does not recommend I reaffirm anything just keep up the payment. If I cannot afford it in the further I just hand it over.

[TEW]

CREDS means "Creditor List Uploaded" according to our District Court's website (PA) .

Hope that helps,
reallynervous

Yes thanks thats mine too

[Cali]

My attorney told me that a company can take the vehicle back regardless of being current. But they rarely do this.

[TEW]

Could there be some differences in the States?