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    1. W

      contract changes

      What is the name of your state? TN I work for a large national retail chain. I have been a union member for my entire time with the company 26 yrs. We have a contract with several tiers and some small differences in pay based on geographics, economy in certain areas etc. etc., however no...
    2. W

      citibank

      What is the name of your state? TN I am about halfway through my chapter 13 plan. I filed on a Citibank MC and over the course of two years prior to my filing, Citibank purchased my Home Depot, Sears, and mortgage. My mortgate payment and arrearages are being paid through the plan. My...
    3. W

      36 month bk

      What is the name of your state? TN I am currently in a chapter 13 bankruptcy (16 months into it) I am not paying 100% to my creditors and my lawyer had come up with a monthly plan payment. We had our meeting of creditors and one objected to the way their debt was being paid. The trustee did...
    4. W

      what is this crime?

      What is the name of your state? TN I was looking at the sex offender registry for my state and ran across a co-worker of mine. He was charged with "sexual exploitation of a minor". What type of crime would this be? As in what did he likely do?
    5. W

      buying and selling car

      What is the name of your state? TN Could buying and selling a car at a profit have any effect on my chapter 13? There would be no credit involved in the purchase of said car. Thanks
    6. W

      chapter 13 account transfer

      What is the name of your state?TN I received a notice from the bankruptcy court involving my chapter 13. One of my original claimants, sherman acquisition was transferring a debt to a company called NCM trust. Is this normal? A cause for concern? It's not like the second company is going to...
    7. W

      how trustee disburses monies

      What is the name of your state?TN I am in a chapter 13 and my attorney fees were paid through the plan. While the attorney was being paid the trustee would take any leftover money and give to secured creditors like car/ mortgage arrears. This month there was an extra pay period and my money...
    8. W

      chapter 13 failures

      What is the name of your state?TN I was reading that only 35% of chapter 13's are succesful in completing their repayment plans. Any idea as to why that number is so low? I am two weeks away from completing the first year of my plan. I admit, it has not been easy, but doable.
    9. W

      tax deficiency and bankruptcy

      What is the name of your state? TN I settled a credit card in 2003 for about half the amount due. The bank forgave about $4000.00 I filed my taxes in early 2004 and about a week after filing I received a 1099 from the credit card company. I did not do anything about it as I really did not...
    10. W

      collection agency and statements

      What is the name of your state?TN. Before I filed my 13 I had an account with Home Depot which was serviced by Citibank. I got behind and the account was turned over to collections. At the same time, I was still receiving a statement from Citibank/Home Depot each month with a minimum due and...
    11. W

      aol auto payment

      What is the name of your state?TN. Does anyone have any experience with America Online. I had an aol account that billed directly to my amex every month. I contacted AOL online to terminate this account while still in good standing and they said they could not close an account online, only...
    12. W

      pacer

      What is the name of your state?tn I see some of the more experienced members mention PACER sometimes for bankruptcy info. When I had my meeting of creditors the trustee gave us a website 13network.com to look at our information. This is a free site so would PACER have enough different/better...
    13. W

      chap 13 and mortgage co.

      What is the name of your state?Tn Its me again, I filed chap 13 in august 04 and am paying my monthly mortgage and arrears through the trustee office. My mortgage company sends a statement each month telling me what the payment is with the info that they are not trying to collect, it is for...
    14. W

      chapter 13 and credit reports

      What is the name of your state?Tennessee I filed chapter 13 in August of 2004. I was recently going over my credit reports and saw that some, but not all had reported that I had filed chap 13. The ones that did not note the chap 13 on the credit report did respond to the bk, so I know they...
    15. W

      bankruptcy and back taxes

      What is the name of your state?TN I filed a chapter 13 in august of 2004. About a week ago, I received a notice from the IRS stating that I owed additional taxes for year 2003. The difference was because I did not consider the amount the credit card company forgave in a settlement as income...
    16. W

      how does one become legal

      What is the name of your state?TN Are there avenues for a Mexican citizen who came here illegally to become legal. My friend in question has been here about 5 years and has a child that was born here. Any help would be appreciated
    17. W

      ladynred

      What is the name of your state?tn ladynred, you seem very knowledgeable in your answers, I was wondering if you can help me with a couple of questions. We live in same town, so I thought you would be familiar with local as well as federal laws. I owed some money to my homeowners assoc, there...
    18. W

      debt collector

      What is the name of your state?TN If a person routinely signs liens and lawsuits can they be considered a debt collector under the FDCPA. For example I had a lien filed on my home. I sent a validation to the person who signed the lien, not the attorney who mailed it. Have I messed up? The...
    19. W

      do i have to sue?

      What is the name of your state? TN I am having a problem with the management company for our homeowner's association. I am considering filing suit against them. My question is if I sue would I have to name my homeowner's association as a defendant as well. The management company says "we are...
    20. W

      letter from lawyer

      What is the name of your state?TN I received a lien from an attorney and he included a paper on his letterhead that said "Notice of Consumer Debtor's rights under 15 u.s.c.a 1692(g). The note went on to say what my rights are. However, on the ones that talked about debt verification and...

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