Recent content by Ojela

We are in the 22nd month of a 58 month payback plan with our chapter 13. We may have $75,000 (possibly a little more) home equity. Is it possible for the trustee (or is it our attorney?) to give the ok to sell now? I just received our semi-annual report from the trustee. The "LESS BALANCE...

Please explain what a hardship discharge is. Thank you.

We filed Chapter 13 in Aug. 2002. Selling our home may be our only option to financial survival. Does anyone know what happens to our home equity if the home were to sell? Thank you kindly.

We live in California. A year ago we filed for BK 13. Although we have made every payment on time, our circumstances have now changed significantly. I've been laid off from work, although collecting unemployment, up to 5 more months (total of 6). My husband is now incapacitated, on state...

What is the name of your state? Ca. We filed Chap. 13 in Sept. One of our creditors was Capitol One. Now Capitol One is sending us Visa Platinum card offers. Although I definetly don't want to persue these offers...my husband sees the need to have a card available for unforseen emergencies...

What is the name of your state? Ca. Ladynred, May I ask you a question regarding your recent response to KatesMom.....her subject was something like 'Ladynred'. On the heals of what you said about the bank not being hesitant about draining her account, I'd like to learn more. Our lawyer was...

What is the name of your state? Ca. We've met with the lawyer and decided to file for a chapter 13. The lawyer took note of when last activity took place on each CC. What sort of repercussions will we face if we continue to use the CC until the case is actually filed. How long does it take...

What is the name of your state? Ca. Were working weith a lawyer and going to file for Chap 13. I have a couple of questions...thanks for your help! Should we make sure our personal and savings accounts are really low? How will last minute withdrawls from bank accounts reflect on us? Can I...

What is the name of your state? Ca. We live in a house we bought 3 months ago. We sold our 1969 mobile home (worth 68,000). The buyers are making payments to us of (its as if WE are the bank) 700.00 per month. We want to sell the loan but its difficult for anyone to get financing on a mobile...

What is the name of your state? Ca. I'm trying to follow your suggestion of looking at: www.thebankruptcysite.com I can't get to it after several tries. Any ideas? Also, I'm brand new here....would you please read my other email (Should we file for bankruptcy?) I have only been able to spend...

What is the name of your state? Ca. Please advise, as I try to keep this simple. Husband has been owner/operator of a trucking business for 10 months. With business doing well, we saved up about $15,000 for business savings. Since business was going so good we used the money for a down...