chapter 13

Submitted by Anonymous (not verified) on Sun, 12/06/2009 - 23:08

My husband and I are terrified of filing chapter 13, how hard is it to repay, can you still have a life and chapter 13 or is the repayment plan so tough you wish you didn't file?

Yes... There is life after (13)...

We see people with them all the time, who have been able to purchase homes and more... That said, it is a (relatively) long process...

In my personal opinion, from a credit standpoint, it is much easier to recover from a chapter 7... The initial damage is worse, but the recovery time is much quicker...

In either case, don't be afraid to challenge the bureaus reporting of the item, as these things can be removed, not only by credit repair companies, but occasionally by consumers as well...

Mon, 12/07/2009 - 01:40 Permalink

Hi madesomebadchoices,

Why are you terrified about filing chapter 13? In fact, it is a reasonable option for people who have to been able to repay their debt. Chapter 13 bankruptcy is also known as wage earner's plan. In this you have to offer a repayment plan to the creditor according to your capability. Normally, you get 3-5 years for repaying the debt. However, if your income is lesser than the state median, then you can apply to the court to increase the time limit.

Chapter 13 bankruptcy provides the advantage of saving your property from being foreclosed. Also, according to a provision under chapter 13, the cosigner need not carry the debt burden. You can also rearrange your secured debts for life time.

So, take it a little easy and file for chapter 13 bankruptcy.

Mon, 12/07/2009 - 06:03 Permalink

It really depends on your situation as to how much your repayment plan is under chapter 13 and what all needs to be included. I have filed for both I started out with 13 and had to covert it to a 7 because I couldn't afford the plan payments and keep my mortgage at the same time. But I am single with one income as well. With it being two of you and both of you having incomes you should be ok doing 13. And yes it is live after filing bankruptcy less than 3 years later my score is allowing my credit again. Not because I want or need it. Because I am trying to improve my credit score.

Mon, 12/07/2009 - 07:43 Permalink

You are right, there is life after bankrupcy, you can start all over and start building your credit right away.

Try to learn from your mistakes, take the second chance and do well with it.

Mon, 12/07/2009 - 23:56 Permalink
atxgirl (not verified)

Can private student loans be dealt with by either credit counseling or filing under chapter 7 or 13? I've read no in a lot of places, but there's gotta be something we can do, right?

Tue, 12/08/2009 - 04:17 Permalink

Hi atxgirl

Bankruptcy today has got a lot stricter rules than earlier. With private loans for students, you must show 'undue hardship' to be able to file Chapter 7. Usually in federal loans you are entitled to defer payments for up to 3 years. There is no such leniency in a private student loan. However, there are some creditors who may offer such deferments voluntarily.

Abut getting it consolidated, yes, you can get it done yourself or may appoint a professional to do it for you. I would suggest first try it out yourself.

Tue, 12/08/2009 - 10:08 Permalink

I did not know that the rules had gotten much stricter with the student loans, I suppose they would have too or everyone would be dumping their student loans and not paying them.

I am with Carol on this one, think you should maybe look at consolidation, that may be your best bet. Goodluck, hope you reach your goals.

Tue, 12/08/2009 - 15:09 Permalink
atxgirl (not verified)

Thanks Carol! Yeah, I know they need to be paid, I'm glad there isn't ways to completely dump them, however, in this day and age it's hard to come by steady employment. But how do you suggest I go about doing it myself?

Tue, 12/08/2009 - 20:28 Permalink

Chapter 13 bankruptcy is an interest-free debt repayment plan through which you consolidate your debts and make a payment on your debt over a 3 to 5 year period. While in a Chapter 13 debt repayment plan, the creditors cannot collect from you, and the creditors are required by a Federal Court order to adhere to the terms of the plan.

PUERTO VALLARTA and RIVIERA

NAYARIT REAL ESTATE

Sat, 12/12/2009 - 11:37 Permalink

Sounds like everyone is giving you good advice. I wasn't sure about the difference between 7 and 13, myself. I want to say, too, We all have made bad choices in the past. The IMPORTANT thing is that you learn from them. It sounds to me you are doing just that...wanted to clean up your credit, deal with what you need to deal with, and 'start over'.

Mon, 12/14/2009 - 00:47 Permalink
Aaron (not verified)

Hi madesomebadchoices,

First of all why are you terrified of filing the chapter 13 bankruptcy? It's a good option for people unable to pay their dues normally. Moreover under this chapter 13 you need not lose any of your property which is possible under chapter 7 bankruptcy.

Under chapter 13 bankruptcy you need to offer a repayment plan which should include how you will pay each of your debts. However the priority debts are to be paid in full.

I should also add that their is life after filing chapter 13 bankruptcy, though it's a long process. You need to be optimistic and you need to have enough patience.

For anymore details about the repayment plan you can check the NOLO website.

Thanks.

Tue, 01/26/2010 - 07:12 Permalink

I say chpt 13 is a glorified debt consolidation plan with a nasty BANKRUPT stamp on your credit report identifying your means of absolving your debt as a negative for 10 years.

If you can afford your bills a means test shud qualify you for a chpt7 - losing personal property in a chot7 really depends on what state you live in.

Either way there is life after bankruptcy but it comes at the cost of very high interest rates to re-establish credit. Lenders are willing to provide you new credit but at high rates and usually with annual fees, etc.

Good luck and any other questions feel free.

Wed, 03/10/2010 - 18:56 Permalink

Be careful of the chapter 13, it is hard with the payment plan they set up, not all people can make it. I have seen a lot of chapter 13 filings having to be later converted to chapter 7.

If that happens you are stuck with a chapter 13 for 7 years and a chapter 7 for 10 years. It is filthy that they can double tag you on bankruptcy when that happens.

Thu, 03/11/2010 - 01:05 Permalink
Keithmit (not verified)

Five strategies i fall in love with when it comes to Lewis Capaldi

he's the name inside everyone's mouth area for the time being and not because of the size of his superb release album. Lewis Capaldi is the best relatable pros to lead the stock chart in for a long time, that being said even if you're not a fan of michael's music, you won't aid to and represent keen on the as most people.

Lewis Capaldi for show toward the russian ladies O2 academy Brixton, english 2019 / photo mortgage: Ollie Millington/Rmv/Zuma Press/PA illustrations

he or is similar to regarding us. so he tells you enjoy the particular us. that she dines resembling among us. and simply she is similar to weird discomforting all of us as. all right, well we aren't all distantly relevant to a dr,a dr that, But in all other caution Lewis Capaldi is not the sleek take celeb toy trucks come to anticipate from rising megastars. may edward Sheeran purchased the fact that coy, Brooding solution which entails him anytime you are he began out. Lewis entirely feels our buddies. (please be connected with lover, Lewis!)

2. she has amusing

I don't believe i'm not a particularly treasured gazing interview with a musician this much in aged (even with Billie Eilish, as you can imagine). the individual neglects to build low this man's lingo anybody, And i cannot read enough of his or conscious depricating humour and excellent habit of intensified oversharing. Sophomoric humour seriously isn't for just anyone, nevertheless, remember, though,but we simply cannot aide producing a chuckle any time a new interview doesn't work.

3. his particular respond to Noel Gallagher's self deprecation

rrt is safe to say Lewis isn't in the least bit badly affected any time you are Noel Gallagher brand name her dad an "fool" even though calling now this generation's music "Fing wk, basically, He am enthusiastic they had gotten slagged away from by the first sort oasis star themselves Instagrammed streaming a couple of times it, Exclaiming "i have forever peaked,

4. your music

typically. after all, which rookie invested seven weeks at just a variety one together with his single a person your family dearly loved, extracted from their particular likewise good be released studio room book Divinely Uninspired on to a Hellish extent. will be sincere popular burst completely together with prospects together with lighting hearted combined with comedy unique character, in addition to the desire completely preoccupied.

5. he believe a compensation conjunction which has Greggs

if you are recognized you find all kinds of the opportunity to form groups with assorted varieties, many of which are very exciting without a doubt. We is only able to imagine the fact Lewis Capaldi has experienced plenty of offers, nonetheless,however it so, which one how can your lover require? Greggs. yes. usually the mate great britain bakery stringed accessed along to your ex boyfriend regarding your marriage and he took a little up, even now undertaking your day doing effort endure delinquent russian mail order brides the reverse at a nearby part. phone.

Sun, 07/07/2019 - 08:00 Permalink
Jacob Smith (not verified)

Hello guys, when I was applying for loans for my most recent investment property (my third property including my home), my score was in the mid-400’s. I had 4 late payments, which hurt me dearly, but the lenders actually looked at my report and refused me a loan, so i hired PROHACK.NET@AOL.COM and he removed all late payments, and raised my credit score up to 785 in 2 weeks. I was indeed pleased. You can call or text him on +1(252) 307-3167.

Thank you PROHACK NETWORK.

Sat, 08/24/2019 - 11:01 Permalink
ukrainegirlsuup (not verified)

Carter Page calls spying accusations 'ridiculous'

Former Trump campaign adviser Carter Page on Sunday denied he was an cleverness agent for Russia, After the release of usually secret documents showed federal researchers believed he was engaged in "Clandestine brains activities" regarding Russia.

Page's refusal, on CNN's "State of Union, Was his first public response to the release on Saturday of secret requirements for federal wiretaps on him.

The documents still heavily redacted showed that federal investigators were looking into Page's possible connections with Russia as early as 2013, some time before Trump named him as an adviser to his presidential campaign in March 2016.

On saturday, Page asserted that it was "ridiculous" and a noticeably "Complete scam" to believe he had been an agent of the Russian government.

"I've never been an agent of a foreign power by any stretch of the resourcefulness, Page shown on CNN. That echoed President Trump's own transactions on the documents issued via Twitter from Trump's golf club in New Jersey that the wiretap on Page was part of politically motivated spying on Trump's presidential campaign.

Page himself ducked queries about what, truly, His connections to Russia had been.

When CNN's Jake Tapper noted that Page had once called himself an "casual advisor" in direction of Kremlin, Page reacted: "you're sure, laid-back, Having some conversations with people. after all, this is actually nothing,

"I've never been anywhere near what's being called here" In the released standard forms, Page shown. "There was nothing by way of nefarious behavior,

Also tuesday, Republican Sens. Marco Rubio (Fla.) but Lindsey O.

On cbs, Graham a sometime Trump ally were speaking directly to Trump, revealing him to impose "New supports, Heavy handed sanctions" On Russia before Putin visits buenos aires.

Graham noted that Trump had changed his position about whether Russians interfered in the 2016 presidential election: "He's changed his mind four times recently,

"The chief executive gets this confused. If you claim that Russians meddled in 2016, He goes to the concept, 'Well, I didn't collude of them,'" Graham said.

Speaking with the Trump again, He urged the president not to treat questions about Russian interference only as an attack on his own legitimacy. "mr. director, They meddled in the selection, Graham pronounced. "if perhaps you're us next. it could be some other power, and therefore Republicans might be hurt, because helped.

The heavily redacted documents were released after a week of head scratching breakthroughs related to Trump's posture toward Russia. political election, Said Trump should approach meetings with Putin without illusions the particular Russian leader's endgame.

"He's in the market for gaining advantage at our expense and to his benefit, Rubio cited on CNN.

The new documents about the wiretap on Page seemed to be presents itself the president's mind. In Twitter points, Trump repeated an attack used by some of his allies the home: any, In looking to hire the wiretaps, The FBI had relied much more upon a "file" compiled by former British spy Christopher Steele and paid for by Trump's Democratic opponents.

Steele also shared his findings with the FBI ukraine girl dating because he was concerned that Trump was probably a compromised by Russia.

"As usual they are unbelievably heavily redacted but confirm with little doubt that the Department of 'Justice' and FBI misled the courts. Witch hunt Rigged, for real, Trump stated.

In a post disaster tweet, Trump increased: "Looking more more like the Trump Campaign for us president was illegally being spied upon (monitoring) For the political gain of Crooked Hillary Clinton and the DNC. Ask her how that solved she did better with Crazy Bernie. Republicans must get undesirable now. An legal Scam,

In his skin on CBS, Graham was asked if the monitoring of Page was justified. "never any, nope, for my part. If the dossier's stool movement you issued the warrant, It was a number of garbage, Graham wanted to say.

One of Trump's top defenders in your, Judiciary committee Chairman Bob Goodlatte (R veterans administration.), Also attacked the FBI's application to wiretap Page in a job interview on Fox News's "Sunday day time Futures,

Goodlatte blasted the Foreign Intelligence surveillance Act application as having been based on "A very flawed piece of writing, The so named Steele dossier, That never been verified,

Goodlatte said he has viewed the documents without a lot of the redactions and that it is "essential" For the public that they can do the same. "We do want to see how this review was launched and how it contrasts with the shocking way in which they handled the Hillary Clinton email examine, He told host nancy Bartiromo.

The released documents don't show the full set of evidence and sources the FBI relied upon in seeking a judge's agreement to wiretap Page. Whole sections in the coating detailing the FBI's justification for believing Page was a Russian agent are blacked out.

But the documents make clear that Steele was one source for the FBI. In using Steele's fabric, The FBI also disclosed to judges that his work was on behalf of a client who was possibly looking for politically damaging information about Trump.

Before the production, Republicans had accused the bureau of failing to notify the court of the dossier's political origins.

you identifies Page by name and says that he engaged in "Clandestine cleverness activities" with respect to Russia and had been the target of Russian government recruitment. the coating describes Russia as having interfered in the 2016 presidential election.

Tue, 09/03/2019 - 09:46 Permalink
Olivia Freeman (not verified)

My name is Olivia from Texas my colleague introduced me to a great hacker who helped me in fixing of my bad credit score to 758 and wipe out my bad credit history. Contact him via PROHACK.NET@AOL.COM / +12523073167 for help.

Sat, 09/07/2019 - 23:12 Permalink
Cheri Plasters (not verified)

I consulted with Hack West Credit Repair (HACKWEST@WRITEME.COM and +1 (424) 307 2638) early this year when I first started a career in the oil and gas industry. I was hesitant at first like a lot of people may be when considering credit repair services but to this day I’m glad that I decided to trust them with their services and knowledge. I was irresponsible with my credit in my early to mid-twenties. There I was in my late twenties making good money but my credit wasn’t up to enough and I realized that it was time to do something about it. They took care of my credit quick and kept me up to date with everything that was going on along the way. They coached me on the do’s and don’ts during the credit repair process and I followed. It felt great to start over to work on building a strong credit history. I had a great experience and learned a great deal with Hack West and honestly wish I had gone through with the services sooner than I did. I strongly recommend Hack West Credit Repair to anyone out there that may be considering to fix credit. You won’t be disappointed and you’ll thank yourself later.

Wed, 10/09/2019 - 10:53 Permalink
jones kenny (not verified)

We are currently searching for qualified candidates to fit into different job positions. We recruit, screen, and refer qualified candidates to an employer in the oil and gas sector, and other companies, families for job consideration. We focus on matching your skills with the job openings and requirements of employers. Qualified candidates are entitled to Accommodation, Medicals, Vacation, Salary/Wages. Other Benefits includes Family Status, group benefit and other fringe benefits. Both Skilled and Unskilled workers are free to apply. View available jobs here: zestrecruitmentsvcs.com/jobs/ or Call 984 226 8349 For further questions or query, feel free to contact us on info@zestrecruitmentsvcs.com. Yours Faithfully, Principal Consultant, Christopher Ki’somma Zest Recruitment Services

Wed, 10/23/2019 - 22:57 Permalink
Monique Solis (not verified)

Hi people, contact XAPCREDITSOLUTION@GMAIL.COM or +1.972.597.9704.I was battling with issues of low credit, I had credit scores of 505 (Trans Union) 500 (Equifax) in May. I applied for a loan and was not approved because of my low FICO scores. No company agreed to employ me. They all said a needed a good score (700-800) before I could access anything. I was in desperate need to get my score up because I had to do the surgery at that time. I had seen some wonderful recommendations of XAP CREDIT SOLUTION on Google and decided to give them a shot. In summary, they fixed my FICO scores to 780+ in 6 days across all 3 credit bureaus and I was approved after the bureaus pulled my new report. I still have my scores at 789 because it is a permanent fix. I am so happy I found the hacker and will recommend ONLY them to anyone in need of such services.

Fri, 11/01/2019 - 10:11 Permalink
Gladys Walker (not verified)

Are you in a need of a legit hacker to help you boost your credit score to 800 golden score, PROHACK NETWORK is the best hacker at this point. He help me raise my credit score to 800 golden score and He help me wipe all negative items including an eviction on my credit report within 72 hours. He help me pay off my home equity line of credit (HELOC) debts within few weeks, His service are fast, secure and without traces. Hit him: prohack.net@aol.com , +1 (252) 307-3167.

Wed, 12/04/2019 - 11:02 Permalink
Tracy Allen (not verified)

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .

Thu, 12/12/2019 - 14:30 Permalink
Joshualeazy (not verified)

opt for a great woman on a Ukrainian brides dating webpage and then live happily ever after

Ukrainian girls have now come to be tremendously well liked by global adult men. Lots of these specific Slavic women have got married to adult men coming from England, unites states, england, madeira, the world, Australia and alternative nations. moreover, A lot of foreign adult men are really flocking on to numerous Ukrainian girls dating web sites hunting for these ladies. and, Just what exactly would make those girls desirable?Ukrainian women are loaded with many excellent qualities. for a start, these are generally incredibly pretty. Lots of the women you can meet from this former Soviet county tend to be naturally stunning. They'll just impress you, nonetheless they can as well leave the desire to wed them right there and then. Going on a date a breathtaking girl is actually a like you'll find guy. consistently, It's hot ukrainian women frequently hard to find a spectacular hot girl that you might go out with. Ukrainian brides are simply about to alter all the stuff. while you log onto a primary girls dating web page from Ukraine, You may run into a numerous lovely women hunting for males like you. If you are in need of a girl to wed, These ladies are a powerful decision. they can be unpretending, Humble right more vital, truly diligent. A lot of these ladies are taught the way to appreciate as well as care for their own households out of their much some family environment. When you get some babies together basic Ukrainian brides, She will supply them with maximum ukraine singles true love and then take good care of them the effective way feasible. Additional impressive quality of those ladies that can astonish you will be the truthfulness. you'll probably appreciate their own readiness to reveal their opinion and then discuss their emotions and also their own thoughts on different troubles. A lot of the women you will see on almost all of the women dating web pages are actually college grads who have accepted the innovative method of looking for loved ones. signifies, Any time you utilize these ladies dating web sites, You will have superior possibilities with reaching a clever not to mention educated girl who you could involve in the great, brilliant dialogue. take into account that, Though they are actually schooled, They are unlike any other Western women that could be pretentious effete snobs who mainly concentrate on their work from home opportunities along with revenue. These Ukrainian women understand fully the way to strike the proper stability. They're moreover rather obsessive as well as tender companions. If you go out and get married to one of these brilliant beauties, She is going to constantly stay with you in equally very good as well as tough periods.

Thu, 12/19/2019 - 00:22 Permalink
Tracy Allen (not verified)

Posted on Wed Dec 18, 2019 5:28 pm
I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .

Thu, 12/19/2019 - 23:43 Permalink
Mila Henry (not verified)

Merry Christmas guys, contact: autolinkscreditservices@hotmail.com or +1 520 800 6528 , for credit repair, they made me smiles again. I was evicted for some couple of months, then I went surfing the internet and find AUTOLINKS CREDIT SERVICES, I contacted them ASAP and they boosted my bad credit score from 368-780 within 5 days. They cleared all negatives on my report even gave me good trade lines for loans. Thank you AUTOLINKS CREDIT SERVICES I will keep recommending you to the world. Thank you once more am very happy, I now have my own home.

Thu, 12/26/2019 - 06:40 Permalink