chapter 13 bankruptcy

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  Memphis City Council Questions Why They Keep People in Debt

  Last month, ProPublica published a deep examination of how struggling black Americans are much less likely to gain lasting relief from bankruptcy than their white peers. The story focused on Memphis, where the racial gaps in the...

  • Posted October 24, 2017
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  My Home Equity Lender is Still Trying to Collect After My Chapter 13 Bankruptcy – Joe

  Question: Dear Steve, We filed for Chapter 13 bankruptcy September of 2009. The plan was confirmed on January 2010 and ultimately discharged January 2015. Included in the bankruptcy was a home equity line of credit that was...

  • Posted September 22, 2016
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  We are in a Chapter 13 Bankruptcy and Can’t Afford the Payments Anymore – Alexandra

  Question: Dear Steve, My husband and I are currently in a Chapter 13 bankruptcy (one year in). The attorney we got basically aimed to do things quick and easy and our payment is honestly killing us. I’ve...

  • Posted September 20, 2016
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  Why Are My Accounts in My Chapter 13 Bankruptcy Reported Delinquent?

  Question: Dear Steve, I filed for bankruptcy in 2009 and it was discharged in 2014. My mortgage was included in this. My question is whether or not my mortgage company can report my mortgage as being late...

  • Posted May 20, 2016
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  Different Options for Debt Relief – Finding the Right Solution

  Imagine you were sick. Really sick. Sick enough to go to a doctor or even a hospital. Perhaps you even looked up your symptoms on the Internet, visited WebMD, did a ton of internet research and were...

  • Posted February 16, 2016
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  My Co-Signer Went Bankrupt and NCO Financial is Collecting on My Student Loan

  “Dear Steve, My private student loan defaulted because my co-signer filed for Chapter 13. It was in good standing as of 20 days ago and now it’s in collections with NCO Financial Systems overnight. Lender bounces me...

  • Posted December 27, 2013
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  Will Our Second Mortgage Vanish After Our Chapter 13 Bankruptcy? – Lisa

  “Dear Steve, My husband and I filed a CH13 in efforts to save our home. 2nd mortgage was stripped and court. 4 months into bankruptcy, trustee felt we could pay 100% of debt which we would be...

  • Posted December 2, 2013
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  Our Chapter 13 Bankruptcy Has Been a Nightmare. – Holly

  “Dear Steve, My husband and I are in the middle of a Chapter 13 bankruptcy that has been a disaster from the very beginning. We were told we could only file 13 because of an appraisal on...

  • Posted June 12, 2013
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  Everything You Always Wanted and Needed to Know About Bankruptcy

  Below is my growing list of bankruptcy resources and links. If there is something that’s not addressed in one of those articles, guides, then feel free to ask me your question.

  • Posted May 27, 2013
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  My Husband Caught MRSA and Now We Are Filing Bankruptcy. – Page

  “Dear Steve, My husband is 66 and I am 57. My husband lost his job soon after we bought our house in 2009. He is now on social security and was working part time until he became...

  • Posted May 27, 2013
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  Recently Divorced and Struggling With Debt. What Should I Do? – Kelli

  “Dear Steve, Recently divorced and left with about $40,000 in credit card debt due to helping my ex-husband start his now lucrative company. I’m not bitter! I am drowning here now, however. It’s about ten credit cards...

  • Posted April 26, 2013
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  How to Find a Great Bankruptcy Attorney

  I’ve written a number of guides about all sorts of debt related issues but for some reason, I’ve never written one about how to find a great bankruptcy attorney. So here goes. Having lived through bankruptcy myself...

  • Posted April 22, 2013
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• We Filed Chapter 13 to Save Our House But Can’t Keep Up With Payments. – Jennifer

  “Dear Steve, My husband filed chapter 13 in Dec 2012 to save our home and we just cannot make the large payments….most of the bankruptcy payment is the house debt. Chase says we now owe $286k and...

  • Posted April 19, 2013
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  Can I Get a New Credit Card While in My Chapter 13 Bankruptcy. – Rich

  “Dear Steve, I am paying regularly on a Chap 13 plan and I’m about 2 years in out of 5. I have always been on time with this payment, my mortgages and cars. I have no other...

  • Posted April 15, 2013
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  Why Do People Think Bankruptcy Gives You a Fresh Start? – Jeronell

  “Dear Steve, Separated from my husband. we filed bankrupt separately because we lived at different addresses. he filed a chapter 7 and was done i filed a chapter 13 supposively because of income and it has been...

  • Posted February 26, 2013
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  Can We End Our Chapter 13 Bankruptcy Early? – Art

  “Dear Steve, we thought we had a good modification only to find out 2 and half yrs later it wasnt…so we filed ch 13….since filing we obtained a good modification, signed agreed and going well…we also have...

  • Posted February 14, 2013
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  I Want to Give My House and Car Back and File a Chapter 7 Bankruptcy? – Sasha

  “Dear Steve, Lost my job a few years back. Got behind on my mortgage & my already high interest car payment. Filed Ch. 13 in 2011 after starting another job that wasn’t paying a lot. Now I’m...

  • Posted January 29, 2013
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  How to Know if You Should File Bankruptcy

  If you are in financial trouble and struggling to make payments, tapped out, you’ve spent down savings, or living month-to-month, then bankruptcy is worth a good hard look. Below you will find a number of links to...

  • Posted January 1, 2013
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  Fee Only Chapter 13 Bankruptcy Upheld. Gives Consumers an Interesting Bankruptcy Tool.

  Now here’s an interesting situation, a U.S. Court of Appeals upheld the bankruptcy filing of a woman who was just existing on social security benefits and food stamps. The woman originally filed a chapter 13 bankruptcy after...

  • Posted October 29, 2012
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• Bankruptcy Filers Eligible for New Mortgages in as Little as One Year

  For those who have declared bankruptcy, it may feel as though you’re on financial probation for up to 10 years, since that’s how long a bankruptcy can stay on your credit report. However, mortgage borrowers could be...

  • Posted October 20, 2012
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• We Have Our Chapter 13 Meeting With Creditors But My Spouse Can’t Be There. – Nicole

  “Dear Steve, Filed a joint chapter 13 Our creditors meeting is in a couple days, my spouse Had to go Out of town & can’t make it, can I just go by myself Nicole” Dear Nicole, Well...

  • Posted October 15, 2012
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• My Chapter 13 Bankruptcy Was Dismissed. Wells Fargo is Suing Me. What Now? – Gina

  “Dear Steve, I am being sued by Wells Fargo Attorney for a credit card debit, I’ve attempted by letter to attorney to state my circumstances and that I was willing to pay 33% of the bill in...

  • Posted October 4, 2012
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• Filed for Chapter 13 Bankruptcy Two Years Ago and Can’t Afford the Payments. – Dani

  “Dear Steve, Filled for chapter 13 2 years ago. Cant afford payments My fiancé filled for bankruptcy 2 years ago because him and his exwife maxed out the mortgage on his decreased parents house that was at...

  • Posted September 20, 2012
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  Are You a Great Bankruptcy Attorney or Do You Know of One? We Want to Know.

  We’ve recently launched our new bankruptcy attorney directory at bankruptcy.live-get-out-of-debt.pantheonsite.io. Our hope is that we can make it easier for bankruptcy attorneys to be found by readers and that we can feature one attorney in each city....

  • Posted September 18, 2012
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• What the Full Set of 2011 Bankruptcy Tells Us About Consumers With Debt

  The most recent annual publication of bankruptcy data is out from 2011. Compared to 2010 there was an 11 percent drop in bankruptcy filings, a 23 percent drop in filer assets, a25 percent drop in filer liabilities...

  • Posted September 7, 2012
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• My Chapter 13 Bankruptcy My Be Dismissed Even Though I’m Making the Payments. – Cynthia

  “Dear Steve, I am currently under a Chapter 13 w/ a court (trustee) odered monthly payment. The trustee is seeking a dismissal based upon the wrong amount being paid every month however by their own documentation the...

  • Posted August 17, 2012
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• I’m Deaf and Having Problems With My Chapter 13 Bankruptcy Attorney and Trustee. – Thomas

  “Dear Jon, I filed Chapter 13 over a 1 1/2 ago. I cant find a job even with my degree. I’ve been working with a company that helps people with disabilities because I’m deaf. My first attorney...

  • Posted July 25, 2012
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• Superior Court Judge Candidate Allowed to Run for Office With Recent Bankruptcy

  Out of Georgia today we see yet another example of how bankruptcy is not the job killer many gear it will be. A state administrative judge has ruled that Juvenile Court Judge Willie Saunders is eligible to...

  • Posted July 16, 2012
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• My Chapter 13 Bankruptcy Was Dismissed. What Can I Do to Keep My Car? – Mary

  have been in chapter 13 bankruptcy and lost my job and I informed my attorney of this tried to convert to chapter 7 and was told no need to come to meeting they had last week and...

  • Posted July 4, 2012
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• I’ve Talked to Bankruptcy Attorneys About Keeping My House in Bankruptcy But I’m Not Sure. – Andy

  “Dear Steve, Around $200,000 in home equity. $113,000 in debt thru 12 cards. 50,000 yearly salary. $12,000 in rental income from renting rooms in my house. $2,200 monthly mortgage. $2,500 in cc minimum payments required. I have...

  • Posted June 25, 2012
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• Our Attorney Wants to Charge Us to Convert Our Case From a Chapter 13 Bankruptcy to a Chapter 7 Bankruptcy. – Cody

  “Dear Steve, My wife and I filed Chapter 13 in Sept. of 2010. We decided to only have my check garnished, since I make the most money in the household. We were struggling to get by with...

  • Posted June 2, 2012
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• I Filed a Chapter 13 Bankruptcy and Moved. Now I Need My Chapter 13 bankruptcy Modified. – Susan

  “Dear Steve, I filed Chapter 13 bankruptcy in August 2010. I had medical issues two years prior and did not pay attention to the finances due to focusing on recovering. After about 18 months I realized I...

  • Posted May 30, 2012
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• Chapter 13 Bankruptcy – What Is It Questions

  Let’s take the mystery out of what is chapter 13 bankruptcy and eliminate your questions. No sense for you to labor under false assumptions and guesses. Bankruptcy is a legal process that allows consumers to allow the...

  • Posted May 29, 2012
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• Should I File Chapter 13 Bankruptcy Now and Then Chapter 7 Later? – Deb

  “Dear Steve, I was long-term unemployed for 3 years, last one with no UI as it ran out. Finally got a part-time job in February this year. During the 3 years I got 2 judgments against me...

  • Posted May 13, 2012
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• Chapter 13 Bankruptcy Rules, Questions, and Background

  Chapter 13 Bankruptcy Background A chapter 13 bankruptcy is usually called a wage earner’s plan. It permits people with routine salary to develop a strategy to repay all or part of their debts. Under this chapter, borrowers...

  • Posted February 14, 2012
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• Chapter 13 Bankruptcy Plan, Trustee and Meeting of Creditors

  The Chapter 13 Plan and Confirmation Hearing Unless the court agrees to an extension, the debtor must absolutely file a repayment plan with the petition or inside 14 days after the petition is filed. A plan must...

  • Posted February 13, 2012
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• I Can’t Afford My Chapter 13 Payments And Worried About Foreclosure Deficiency. – Lars

  I am recently divorced and due to hardship filed for chapter 13 bankruptcy. After 5 months of negotiations with the trustee; it has now become questionable if I am able to do the chapter 13 and still...

  • Posted February 9, 2012
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• Should we try bankruptcy or try to negotiate? – Rosi

  My husband and I spoke with a bankruptcy attorney last summer, there was an issue with a loan paid back to my mother, so we waited a year. We retained him this fall. Having been unemployed for...

  • Posted January 2, 2012
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• Should we file a chapter 13 bankruptcy? Legal Helpers got us a wage garnishment. – TLRP

  We have decent income and then lost 1 income 100% – churned up 45k in debt with 20k to irs some of that irs debt is 5k due form last year and 16k due from 2009 just...

  • Posted December 30, 2011
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• We Are In a Chapter 13 Bankruptcy and Our Mortgage Company Wants More. – Dea

  “Dear Steve, We are 2 yrs into a chapter 13. Our mortage lender has filed relief of stay due to post arrears in the amount of $3000. This is a result of an increase to our monthly...

  • Posted November 28, 2011
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• How Much Will it Cost to Covert My Chapter 13 Bankruptcy to a Chapter 7? – Gilbert

  “Dear Lewis, I filed chapter 13 and can not afford to pay what was asked. The chpater 13 is being dismissed. What do I need to do to file chapter 7, and what will be my cost?...

  • Posted October 28, 2011
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• I’m in a Chapter 13 Bankruptcy But Can’t Make the Payments. – Daniel

  “Dear Lewis, I filed bankruptcy (chapter 13) about 14 months ago and the payments were set very high (around 890 a month) and have had trouble ever since making payments. I have a mortgage that is about...

  • Posted October 23, 2011
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• All About Bankruptcy – Chapter 7 Bankruptcy – Chapter 13 Bankruptcy

  Article I, Section 8, of the United States Constitution authorizes Congress to enact “uniform Laws on the subject of Bankruptcies.” Under this grant of authority, Congress enacted the “Bankruptcy Code” in 1978. The Bankruptcy Code, which is...

  • Posted August 25, 2011
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• I’m Still Struggling Even in My Chapter 13 Bankruptcy. – Robbie

  “Dear Lewis, i filed bankruptcy in 2008. payments to the trustee is taking out of my paycheck.i make the mortgage payments. when i filed, i place 3 payments in the bankruptcy. i got here due to many...

  • Posted August 23, 2011
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• I Got a Big Raise and I’d Like to Take Over My Chapter 13 Bankruptcy Myself. – Zach

  “Dear Lewis, I am currently 1-year into a Chapter 13 Bankruptcy. When I initially filed I was making a set income, after 6-months into the C13 I received a promotion and my salary increased substantially (90k per...

  • Posted July 5, 2011
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• We Need to Buy a Car While in a Chapter 13 Bankruptcy. How Do We Do This? – Kevin

  “Dear Lewis, Filed bankruptcy (Chapter 13) 6 months ago and have found ourselves in a difficult situation. Our car has broken down to the point that it is not worth fixing. We need to get a new...

  • Posted June 13, 2011
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• I Filed a Chapter 13 Bankruptcy But Found Out I’m Not Eligible for a Discharge Due to a Previous Chapter 7. – James

  “Dear Lewis, I took on more than I can handle in a short period of time. I took out secured installement loans and I got behind on them. I also had a title pawn out on my...

  • Posted June 1, 2011
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• I’m Being Sued by a Creditor And Was Told Only Chapter 13 Bankruptcy Might Be Right For Me. – Tim

  “Dear Lewis, i am being sued by collection/ law firm(s) have received a citation of suit from a lawyer representing citibank. i have done online search for low cost attorney and spoke with one on the phone...

  • Posted May 31, 2011
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• If We Convert from a Chapter 13 Bankruptcy to a Chapter 7 What Will Our Credit Report Show? – Cheryl

  “Dear Steve, we are having a hard time making our ch 13 payments and thinking a bout converting to ch7 from ch13 and wanting to keep our truck We have a ch 7 bankruptsy we filed in...

  • Posted April 17, 2011
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• I’m Totally Broke and Drowning…Help! – Linda

  I am 47 years old and single mother to two teenaged children. I have a decent job and make good money for the area where I live. I bought a home in 2008, put $30,000.00 down on...

  • Posted November 30, 2010
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