How do someone filing a chapter 13 Pro Se respond

[ProSeCJ]

What is the name of your state? PA

How does someone filing a chapter 13 (Pro Se) respond to an Creditor's objection. The creditor, my car's finance company objected to my value of my car they went with the NADA value (perfect condition) which was 3 grand more than my fair conditioned Kelly Blue book value? What do I do, please help!!! I just had my meeting with creditors, and no one showed. I dont know how to prepare a response or file a response to this objection.

 

[Ladynred]

And this is exactly why you should not be pro se. Ch 13's are far more difficult than a Ch 7 and now you're finding out why. You'll have to file a motion objecting to the creditors objection - and state your reasons. Get at least 2 quotes on the value of the vehicle, you need backup documentation if you're going to object to their objection.

 

[ProSeCJ]

Thanks for the response, however

I figured that it would be tougher for me to do it myself in a chapter 13 case, but I really truly did not have any extra money to pay a lawyer. I make too much for legal aid, but I am stretched very thin. I already figured that I had to file a motion with the court, however I am not sure of the proper way to do that. The legalease required? The formality? I am hoping that the judge will take into account my pro se status. Are there any examples of a motion to an objection that perhaps I can use? I thank you for your response, but I am becoming more stressed out by the day, . Any pointers or suggestions?

 

[Ladynred]

Your legal fees would have been rolled into your Ch 13 plan and paid thru the plan.

Did this creditor file a proof of claim and what was the value they used for their claim ?

You can file an objection to their higher proof of claim and YES your objection MUST be in the proper legal format. The judge may cut you some slack for being pro se, but you're not going to get a whole lot.

PM me, I can send you a sample document that will at least give you the format you need to use.

 

[ProSeCJ]

Thanks so much

When I was trying to decide if I was going to file the chapter 13 on my own or not, many attorneys in my area, Pittsburgh, said that they I would need to pay their fee upfront before they did any work on my potential case. That was the only reason that I did everything on my own. That and the fact that I feel somewhat intelligent, well I did before I started down the Pro Se waters. Anyway, thanks so much for your help, it means much to me. I am a night owl and dont know if this is a good time to PM you or not, so I will PM you tomorrow at a earlier hour. Again, thank you so much.