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So broke

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lucky4822

Member
What is the name of your state? indiana
Hi, I filed for chapter 13 about 3 yrs ago. Any ways my problem is even with the payments i have struggled. I have a profit sharing load that i couldnt file bankruptcy on that they didnt take in consideration. Whic basically means instead of 4 checks a month i only make 3. i couldnt file chap 7 becuz i own a house, well my and my mother do and the priced owed was less than what i owed to creditors. I just dont understand how they (even though i did this to myself,) dismiss some peoples debts, but make others suffer. But my question is if im ever late on a payment will they cancel my bankruptcy? i have some how managed to make it now but with house taxes and everything but my check going up im totally stressed out :eek: . I cant get any help, had to get off my medications becuz all the money i make goes towrds my bankruptcy payment and all living expenses. I guess i am just looking for some relief, i need some kind of help before i just give up.
I guess im just upset becuz i see people file chap. 7 and then still go out spending like they are rich, and i am struggling day to day.
 


bigun

Senior Member
How much longer is your plan? In. has really low bk exemptions and the rule is, unsecured creditors can't receive less in a Chapter 13 than they'd have gotten in a Chapter 7.
Call your lawyer and see if your plan can be modified.
 

lucky4822

Member
indiana
i have 2 yrs to go on my bankruptcy...and im sorry but i didnt understand any thing you wrote..lol...i am just scared with everything going up but my paycheck, or if i get sick and cant work if i miss a payment will they just cancel it all and ill be back at square one. as it is now i cant even miss an hour of work or i wouldnt have gas or the simple things. i dont know how some people get away with so much and im trying to do the right thing and pay everything back but yet cant catch a break.
and i have tried to call my trustee and my lawyer, i cant get an answer or any info that i cant understand. thanks for replying though.....
 
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