Comments on: Chapter 13 Bankruptcy: Process & Timeline

By: nancy

nancy — Fri, 17 Jul 2009 01:38:44 +0000

I filed in June. My hearing was last week. My payments have already started. Is it too later to add more debt? I cant afford to pay my cell phone bill. They will charge me 400.00 to cancel service. (2 lines) . Is it too late to add this? I havent cancelled yet, but would need to shortly.

By: Jamie

Jamie — Mon, 06 Apr 2009 23:10:54 +0000

I really hope you don't go around giving legal advice because some of your information is false. For one, In a Chapter 13 you don't get a discharge 60-90 days after your 341 meeting. That only takes place in a 7. Debtors in a Chapter 13 don't get a discharge until they successfully completed their plan, which is 3-5 years.

Second, if you had a previous petition dismissed, there is NO waiting period to file again. I strongly urge you to do some extensive research.

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By: Eddie Akpa

Eddie Akpa — Mon, 10 Mar 2008 05:31:05 +0000

Situation/Data;

I ran out of time (only 1 day left) to execute a shortsale on my house and the auction date was fast approaching. So I filed for chapter 13 bankruptcy a day before the auction date in order to buy time to execute the sale. The forms are not complete (No submission of certificate of counselling completion) and I do not intend to continue with the process.

Question:

What do I need to do in order to ensure that the filing doesn’t tarnish my credit outlook. Should I just wait for 15 days to elapse which will dismiss the case, or is there a way I can rescind the filing?The sale is done and I only owe $2300 in credit card debt.