I live in FL, filed a ch.7, and already had the 341. I recieved a letter from my attorney saying everything went well, and I should most likely reach the discharge without any complications.
Note: My income was over the median and I initially failed the means test, but because of my expenses I was able to squeeze into a 7 versus a 13, although barely.
Another Note: Bank I am reaffirming with is same bank who I have/had a $10k credit card with, and also my 1st mortgage, which I am foreclosing on.
I am considering reaffirming my automobile. My lawyer suggested that I do not reaffirm, but I do fear the chance they repo the car, even though I continue to make payments on time.
I am filling out the paperwork to reaffirm, and I have to state my income and expenses. Can this have any effect on my Ch.7, in the sense if I show the court that I can now afford the car, is there a chance they can push me into a 13 at this point?
Thx!
Note: My income was over the median and I initially failed the means test, but because of my expenses I was able to squeeze into a 7 versus a 13, although barely.
Another Note: Bank I am reaffirming with is same bank who I have/had a $10k credit card with, and also my 1st mortgage, which I am foreclosing on.
I am considering reaffirming my automobile. My lawyer suggested that I do not reaffirm, but I do fear the chance they repo the car, even though I continue to make payments on time.
I am filling out the paperwork to reaffirm, and I have to state my income and expenses. Can this have any effect on my Ch.7, in the sense if I show the court that I can now afford the car, is there a chance they can push me into a 13 at this point?
Thx!
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