Comments on: Can I "Cancel" a Chapter 13 Bankruptcy if I Changed My Mind?

By: Edward

Edward — Thu, 24 Sep 2009 15:55:05 +0000

After meeting the means test to file for chapter 7 bankruptcy can a bankruptcy judge include my wifes social security disability monthly payments with my income to determine if we should file for chapter 13?

By: Temika

Temika — Mon, 29 Dec 2008 04:05:17 +0000

When you file a chapter 13 to avoid the interest you have to pay it in 36 months. If you pay off early then you pay your creditors 100 percent. At least it works like that in the state of WI.

By: Danette

Danette — Sun, 05 Oct 2008 00:43:07 +0000

My attorney will not return any of my phone calls even though he has been paid for his services (filing my Chapter 13) in Dallas, Texas. I have moved from my home that was included in the bankruptcy but since then I've received a notice from the Bankruptcy Courts that my pay back amount will be increasing another 200.00 per month. How do I have my bankruptcy dismissed or converted. I want to terminate my attorney because I've left him at least 25 messages over a weeks time, sent him 17 faxes, and have sent hiim a certified mail letter asking him to contact me so I can have my 13 converted to a 7 or possibly dismissed but he still won't call me. What are my options?

By: sam

sam — Fri, 19 Sep 2008 15:48:28 +0000

My husband had begun the bankruptcy proceedings but he's still needs to submit some paperwork so the lawyer has not gone before the courts yet. He's changed his mind and no longer wants to file and plans to work something out with our mortgage lender (the main reason for filing). Will he be able to stop the proceedings without being penalized or is it too late?

By: Christine

Christine — Sun, 10 Aug 2008 16:35:35 +0000

I am currently near the end of my Chapter 13 bankruptcy. However, I got notice from the Trustee's office that an amendment was added to my account regarding my vehicle. I received the title in 2007 from this creditor stating "congratulations" you completed all payments. I do not even have that vehicle any longer. Now they are trying to stiff me for more money. Can they do that? My attorney that I currently have is incompetent and the only reason why I am not seeking other counsel is because I am at the end. If would have totally been finished. I did contact my attorny and they told me that they are waiting to speak to the attorney who put that amendment on my account.

By: Eileen

Eileen — Fri, 16 May 2008 22:09:22 +0000

My husband and I have been in a chapter 13 for nearly three years. It occurred to me after reviewing our last statement that we were never going to be finished paying out this coming August. We contacted the trustee to confirm this and were told that yes, we were going to be extended til at least April of 2009 to be completely finished with our repayment plan. This was disheartening to say the least but here's my main question. With gas prices so high, and a husband who travels 90 miles one way to work (which is the only income in our home so its the only monies available to repay the plan) our expenses for him to get to work have skyrocketed. Obviously he's not going to quit his job, but the expense of him traveling from our current home to work has doubled in the last three years. Also, we live in the country, where the shipment and transportation costs (a hand me down from gas prices) has now caused even the price of eggs to rise from .79 cents a dozen eggs to 2.99. A gallon of milk three years ago was 2.49. Now, if you are lucky enough to get it on sale, its over 3.99. These are just a few examples of how rural folk are trying to survive at a time like this. My question to you is, considering my three children have now gone from adolescents to teenagers, my fuel expense is doubled, my home owners and car insurances have been cancelled because I have to choose to feed my family of 5 rather than pay those bills on a take home salary of only 1,100 a month after they remove their chapter payments. Can we opt to file for some form of hardship? Do you have any advice since our attorney that handled our case moved with the only explanation being that he has relocated his office out of state due to the economy????? HELP

By: aaron

aaron — Fri, 09 May 2008 17:36:23 +0000

I have been in Chapter 13 for over two years and have one year left. Many of my creditors have been paid and they have wrote my loans off as bad debt. I have not given the trustee last years tax returns and they are trying to get my case dismissed. I was thinking, maybe it would be good if they did and I could stop with my payments. Would all my creditors come after me for the original amount I owed them? My credit is shot anyway, Could they do anything?

By: aaron

aaron — Fri, 09 May 2008 17:34:52 +0000

By: pb

pb — Wed, 07 May 2008 23:33:01 +0000

we have been in a chp 13 for a year- we owe more on our house and two cars than they are worth- my husband has lost his job and we will not be able to make the monthly payments on my pay alone. Are we able to switch from a 13 to a 7 and reaffirm on the two cars and house? what is involved in doing this-we currently live in columbus ohio and the job market is very slim and the housing market is even worse. when we contacted our attorney his only response was "get a job"- I am sure we are not the first couple to be faced with this situation.

By: toni rogers

toni rogers — Wed, 09 Apr 2008 21:14:55 +0000

My case was filed in December. My confirmation hearing is in a month. Do I still have the right to change my mind before that hearing? If so, will the money already paid go to attorney fees?