We have a student loan, and IRS debt. Some of the tax debt should be discharged- but the IRS has that sneaky way of applying paymets to the oldest taxes owed. I'm concerned if I get back on a payment plan with them now, they'll just apply payment to tax debt that would be discharged anyways. Will they even work out a payment plan with me before discharge? Same thing with student loans- can I resume payments at any time?
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Ch 13 filed 06/22/09. Dismissed,thankfully, 03/31/10. Ch 7 filed 06/28/10. 341 07/29/10. UST POA 08/06/10. UST mot to dismiss hearing extended to Dec...Feb...March...May...Aug. UST withdrawal of dismissal filed 05/31! DISCHARGED 07/12/2011! -
You can voluntarily make payments anytime - but they should not start billing again til after discharge. With the tax debt - I'd wait if I were you. Should be no harm on the student loans though.Get mortgage modified: DONE! 7 months of back interest payments amortized, payment reduced over $200/mo
(In the 'planning' stage, to file ch. 13 if/when we have to.)
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