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Found 6 results

  1. Hello All, I have made some extremely stupid decisions this past 2-3 years and it has left me in a huge hole that looks impossible to get out of and I am looking for advice or any suggestions on what to do. I have been a gambling addict for the past 2-3 years and as of 2 weeks ago have finally confessed to this and I am now seeking help and have been free for 18 days now, this is my current financial situation: Creditor Name Payment Due Date Original Loan Amount Current Balance Monthly Payment Percentage of Debt
  2. I recently filed chapter 13 as a way to save my home from foreclosure. There are 10 payments that were made (before bankruptcy was filed) that the mortgage company never applied to my account. I keep asking (and emailing) my bankruptcy attorney about it but have yet to receive a response. To top it off, my loan was just switched to a new servicer. What can I do or who do I need to talk to to get my account credited for these payments? If a "lender" has provided incorrect balance, fee and/or charge information to the BK court, shouldn't my BK attorney be looking at challenging these errors?
  3. I just don't know where to go from here. We've been dealing with this since 2010. Fell in to arrears, Indy Mac to One West/Deutsch Bank, to Ocwen. Hired an atty. but time and time again, doing absolutely everything all servicers told us to do, we still couldn't get a completed package to them. We were unprepared at court as to what would happen and accepted a judgement of $679K. IN THE MEANTIME, we were able to reduce all debt and/or pay off and our 2nd mortgage was dismissed by SunTrust. We then had to file Chapter 13 to get a stay and the sale date was cancelled. We were granted a
  4. Hi all First post, so take it easy on me I completed my chapter 13 bankruptcy in January of 2014. It only took me a couple years to complete. Most of the debt was from payday loans that I just could not catch up on. Chapter 13 was a good solution to help me organize my debt, and pay off in full without trying to manage multiple creditors. I filed in 2012. Long story short, recently I was denied credit because of a judgement on my credit report. Upon further review I found 2 judgements from 2010, prior to my bankruptcy. One of the judgements reflects that it is satisfied, and indeed tha
  5. I filed for chapter 13 bk in NH and am making payments, my condo fees are included in the bk filing and I am paying the current fees. They have started adding "attorney legal fees" to my current fees, which makes it impossible to keep up my current payments. None of my other creditors are charging added fees that are not included in the bk. I filed the bk "pro se" so I don't have a lawyer and I don;t know if this is legal or not. I am also not sure what the fees are supposed to be for since there have no hearings in a while, and even when there where no attorney from the condo assoc. showed up
  6. I live in Phoenix Arizona and I filed a petition for Chapter 13 BK -- 5-year plan. I will complete 3 years of this plan in February 2013 afterwhich I plan on submitting a Voluntary Dismissal. I am reaching out to the Forum to see if anyone has had experience with this or can share the Pros/Cons. Reason for Voluntary Dismissal: Plan Base has been met.Each unsecured claimant has been paid 33% of what is owed. (100% of the secured mortgage claim file was paid).It took the Trustee a year and 7 months to respond to the Meeting of Creditors with his Trustee Recommendations (Conforming Plan). I bel