Trying to file a Chapter 7 in Wisconsin. We were right at the exemption value for the house using the new 2024 county tax listing value. I thought this value was high for our little 3/1 ranch that needs work at $292,000.00. Now the trustee is seeing a value of $344,000 at Zillow and $359,000 at Redfin....

I earn my income to sell used car lamps on ebay. I sell on ebay on my own name. I purchase used lamps from junkyard. I prepare to fill out B106A/B as business inventory under business property. My inventory estimates 30 pcs with purchased price $25 per pcs. The total purchased price is $750. Is using...

We filed chapter 7 pro se, I also filed a motion to redeem with all of the proof of value with the motion, with pictures of the things that decrease the value.
the credit union did not object, but the trustee did. Not because he disagrees with the value, but because he said I filed the statement...

I am trying to figure out how I document per diem when filing joint chapter 7 pro se. My husband worked out of state for about 3 of the past 6 months and if i have to include that in the gross income when filling out means test, it will put us over the income limit. It is labeled as "living out...

Sick with Flu and COVID caused mortgage to be paid 2wks late. Only I had access to my account. 1st late while in chp 13.

Mortgage company threatened and said they are notifying trustee.

My lawyer office has not answered my calls or emails. 🙁😢

Hello friends! Although I have not yet seen it in Pacer, my plan has been confirmed based on
My conversation with the attorney. The whole process took about 6 months but it’s been worth it so far. My payment is only 1/4 of what my minimum monthly payments to the creditors used to be. Thank...

Hi all,

I have a question on the trustee fees. I looked through the forum, but am a little confused. Our trustee wants 9.3% or 10%, I'm not sure the lawyer said both numbers.

But that is in addition to our payback amount?

So if we owed 100k, then we would have...

Hello-

My wife is currently going through Ch 7. Today, we received a letter from the UST stating "...Statement of Insufficient Information Necessary to Make Presumption of Abuse".

It mentioned something about missing some required means testing documents,, etc.....

Hello,

I am 7 months into our chp 13 plan. Making the trustee payment is fine. I acually started door dashing for extra money as needed. This is to help pay for food, clothing, and bills. Is it allowed to work Part time as needed after you case is confirmed? This is not a steady income...

I filed my Chapter 7 bankruptcy in July of 2017. It was discharged 11/01/2017. The Trustee took my 2017 taxes (partial) and the pending settlement of a MVA that she received the funds for in February of 2018. She has had all of the available cash for over 2 years. On 01/14/2020, the final report and...

Thank you for your time,

In 2013 My wife and I separated but didn’t divorce so I could stay on her insurance. We both each purchased a home, her in Riverside county and me in Los Angeles county. We got back together about 2 years later 2015, I moved in with her and converted mine into...

We plan to file on Monday. Our lawyer has said that we are likely to lose part of our tax refund in April. The less cash we have in our bank accounts now, the more of our future tax refund we can exempt.

We currently have about $500 in our bank accounts. We already did the car's service,...

Colorado 2017 our house burned down and we lost everything. The only house we could find was higher rent. Months later I get demoted in a political coup and lose roughly 27% of my net income.

2018 we're under so many garnishments and threats of pending new ones we can't afford to live....

I've recently filed and have some questions regarding reaffirming my car:
i reside in New Jersey and want to keep my car. I'm current on payments (never late). Some say reaffirming the car is good and some say not good. We really need this car bc this the only sort of transportation we have and...

I had my 341 meeting for chapter 7 in Atlanta today...what a mess. Probably the biggest issue was that I pre-paid my dentist prior to filing - from my bank account, not on credit cards - for a procedure to be done 2 weeks later. The dentist required pre-payment, and the procedure was phase 2 of dental...