justbroke
Super Moderator
Last Activity: 12-14-2024, 10:11 AM
Joined: 07-10-2008
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You should let them talk to your lawyer. If the creditor accepts the lawyer telling them the case information as "notice" then you won't have to pay upwards of $200 to do it officially on paper. A creditor talking to your attorney shouldn't cost you any more if you have not yet received your... -
There is no extension for them. They just need to know that you filed and had an opportunity to participate in the distribution. If your last day to file a claim is tomorrow, they are probably going to be unable. If your last day to file a claim is in 25 days, that should be enough time.
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For an asset case, you absolutely need to amend to add the creditor. A creditor without notice will likely not receive the notice to file a claim and will miss out on any distribution from the Trustee. Please speak with your attorney. Ask them to amend your filing. They may charge you $150 for their...Leave a comment:
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You asked that I no longer communicate with you. I informed you previously that there is no way to delete an account. If you want me to change your username and your password, please send me a private message and I will do that. For what it's worth, there are several attorneys on here and at least one...Leave a comment:
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Plan confirmation in a Chapter 13 can take anywhere from 4 to 12 months after filing. Chapter 13s are much different than a Chapter 7 and you typically wouldn't be asked for additional bank statements or even income statements after the 341 Meeting. Most Chapter 13 Trustees do, however, require a copy...Leave a comment:
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I thought I already answered this in another thread. Maybe despritfreya has input.
Whether or not you'll be able to do a straight conversion using a notice or you'll have to dismiss and refile, is a very specific. In my district in Florida, they didn't require a new Means Test, but they...Leave a comment:
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Hello.Leave a comment:
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I used them back in 2008. They did a horrible job and had numeric error on it. You're better off subscribing to Adobe Acrobat for a month ($19.99/month) and using the Court's Fillable Forms. You may have some issues with continuation pages, but you'll figure it out. That is what I ended up doing.Leave a comment:
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Generally speaking you have a right to convert to Chapter 7 by notice. So long as you qualify under the terms of the Chapter 7 and attest that you do. The question, however, is whether Florida allows one to convert to a Chapter 7, from a Chapter 13, when the debtor did not initially qualify for the...Leave a comment:
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You are among friends. We have all been here and some of us have been at this point twice. As we say, life happens.Leave a comment:
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@carmella, Experian should have stopped reporting the Chapter 13 BK on about 12/1/2024. Have you checked lately?...Leave a comment:
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Excellent!!!Leave a comment:
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I don't see how this would work. If everyone could reaffirm a debt at current market value at the time of filing a bankruptcy, then this wouldn't be a fresh start but a head start. It is well known that appreciation of an asset post-petition may not be protected. See Wilson v. Rigby, 909 F.3d 306 (9th...Leave a comment:
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I moved your post here, since we like to keep political discussions away from the core bankruptcy discussions. I'm sure shipo has some things to say. Let me say this... it hasn't affected me yet and I'm not going to worry about the trade negotiation and strategies employed by incoming administration....Leave a comment:
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Political Discussions (2024)
BKForum would like to limit all political discussions to this Topic.
We understand that we are living in very politically charged times of outrage and unrest.
No matter what your political views are, remember that our forum's primary purpose is to be the place to help each... -
Very nice. Congratulations on the discharge.Leave a comment:
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I could not tell you. I don't practice law in either.Leave a comment:
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Welcome to BKForum.
Generally speaking, a creditor can only get to real property if the underlying state non-bankruptcy laws allow this. A creditor that has a consensual lien against your property--you specifically pledged your property to guarantee or "secure" the loan--will...Leave a comment:
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I'm missing something. A business entity (LLC, corporation) can't file a Chapter 13. If you have a medical services business, I'm sure that it's not operating as a sole proprietorship. If it's a corporation/LLC, then I don't know why an individual needs to file a Chapter 7 followed with a Chapter 13...Leave a comment:
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Being in a Chapter 13 is no different than in life without one, with one exception. The exception is that you can't use credit as a crutch and you are forced to pay your creditors (via the Trustee) on time. That's it in a nutshell.
Life without credit can be done. During my Chapter 13 I...Leave a comment:
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