Nope, nothing was fraudulant. Lowering your monthly payments to cable and phone companies and changing car insurance companies can free up a couple hundred. Nothing illegal about that. The money they allot for food, it was 400.00 a month, I cut it in half by forcing myself to eat less. I lost 30 pounds and became anorexic, but hey, I saved 200 a month by nearly starving. This is NOT illegal. I have the same amount of money I had before. I just stopped spending money on food, cell phone payments and went to Sling and pulled the plug. I also started taking advantage of gas rewards (not credit) at certain stations and save about 50 a month on gas. I take advantage of the double gas points at my local grocery if I shop on certain days. This "extra" money is NOT illegal. It is not illegal to change your spending habits to live more efficiently off of your bread crumbs the trustee gives you. So, I saved enough from all that to afford property. Darn straight I'm doing it! Even if it means a headache to get out of my BK.Nobody said the trustee was your friend
If your attorney retired, he may not legally be able to represent you any further. It all depends on what the lawyer has done to enter retirement. He may also not be willing to come out of retirement to represent you. That is something you will have to discuss with the attorney.
You are quite flippant regarding withdrawing you chap 13 filing. That is something you should really discuss with an attorney before doing. Due to the stays in place from the bk action being removed, it’s kind of like a dam bursting. if there was a valid reason for the bk prior to filing, it will be there again, and can even be worse. You may have considerable costs attributable to the bk itself that you cannot now escape.
If it is found you magically have all this money available for whatever reason, the trustee may just take a bit of added interest in your case. Magical money often suggests a fraudulent bk filing.
I can pull out and I will if I want with the help of my attorney filing the correct papers. I do not care if my home is foreclosed on since I am buying new land and my brother builds homes he would also do a contract with me to pay without a loan. After they free up the money the trustee is taking from me, any back payments owed can be paid on my cars very fast. And my home has equity as well.
The three credit card companies can just keep hounding me. Even if one does a wage garnishment, idc. I filed quickly to avoid foreclosure until I could find a more suitable option/obtain a pay raise.
Also, the lawyer was to be paid first out of my payments. He's paid already. So has the trustee. I do have my statements of where my money has went during this time. They both got paid before any creditor got a penny.
Only a small percentage of people stay in these things. They are mostly for people who have assets they want to keep and make a lot of money anyway. It keeps the creditors off your back until you can come up with a better option. Getting a raise means you can pick and choose who to pay, and if some creditor like a credit card company comes out of nowhere with a garnishment then let them and go on. To think a person would out up with a chapter 13 for a full five years is insane unless they just have no options.
My lawyer still represents me. He sent me a letter and has continued to see all of his cases he had open.
Free advice is just that...free. People should just answer the question and not go way out in left field. This is not me asking a lawyer. This is just hypothetically asking a bunch of strangers because it was an odd hour.
He will likely tell me to just not say anything. Most all of my lawyers have just waved their hand and rolled their eyes and told me not to worry about it or finangled something. They are lawyers, there is a reason people think they are dirty. Until they represent you. I always said a dirty lawyer is the best one if he's over 65 and practiced since he was in his 20's. They know every trick in the book while you are talking they are drawing webs in their head about how to use loopholes to spin everything. Especially a criminal attorney.
Another reason to purchase, hunting leases. I can, if I have to, lease to hunters my woods. Which makes money I don't even want and the trustee can use it for my creditors. And hunters are ringing me daily asking for a lease.