What is the name of your state? Maryland
We will be filing a chapter 13 and trying to repay more than half of what we owe, back over a 5 year plan. I do realize we are the ones to blame for where we are today. We absolutely made a big mistake in our financial planning and over-extended beyond our means. However, up until 3 months ago, I have never been late or slow on paying any of our obligations. We have since lost income and and overtime pay that we have been getting daily for many years. Again, it is our fault for over-extending and not thinking of the future. However, I am not lazy and we both have full-time jobs. I have been at my job for over 16 years. My husband retired (due to downsizing) from his job last year after 37 years. He is working a full-time temp position as he cannot find a permanent job. I am working full-time as well. WE BOTH are willing to work second jobs at nights, weekends, holidays, etc.. However, are we permitted to work more hours or a second job while in a 5 year Chapter 13 plan or will the Trustee want this extra income as well? Secondly, will we be able to find a second job after filing for bankruptcy? Does a bankground check consist of criminal and credit background checks? Do they look at our credit report and will see the bankruptcy? What places will hire you if you are in bankruptcy? Any help would be greatly appreciated. Thank you.
We will be filing a chapter 13 and trying to repay more than half of what we owe, back over a 5 year plan. I do realize we are the ones to blame for where we are today. We absolutely made a big mistake in our financial planning and over-extended beyond our means. However, up until 3 months ago, I have never been late or slow on paying any of our obligations. We have since lost income and and overtime pay that we have been getting daily for many years. Again, it is our fault for over-extending and not thinking of the future. However, I am not lazy and we both have full-time jobs. I have been at my job for over 16 years. My husband retired (due to downsizing) from his job last year after 37 years. He is working a full-time temp position as he cannot find a permanent job. I am working full-time as well. WE BOTH are willing to work second jobs at nights, weekends, holidays, etc.. However, are we permitted to work more hours or a second job while in a 5 year Chapter 13 plan or will the Trustee want this extra income as well? Secondly, will we be able to find a second job after filing for bankruptcy? Does a bankground check consist of criminal and credit background checks? Do they look at our credit report and will see the bankruptcy? What places will hire you if you are in bankruptcy? Any help would be greatly appreciated. Thank you.