I am considering filing CH 13 as possible 0% (I am significantly below AMI and owe no priority debt). I have 9K left on a title loan and car is worth 4K (title loan - car was already paid in full and is the collateral).
Can I use 4K wildcard and basically owe nothing on the car thus converting the remainder to unsecured debt as a cramdown?
I am a substitute teacher and I own no assets. Remainder of debt is 8K in cc's and 2K in medical bills.
Can I use 4K wildcard and basically owe nothing on the car thus converting the remainder to unsecured debt as a cramdown?
I am a substitute teacher and I own no assets. Remainder of debt is 8K in cc's and 2K in medical bills.