This is my journey, the plan, and events pertaining to the Chapter 13.
Met with Attorney to go over preliminary questions
Sign docs at Law office
LAM Motion Filed
Took 2nd Credit Counciling Class online (I took the first one a few weeks ago)
2nd payment to Trustee, (must be paid 30 days after filing)!
LAM Motion Hearing (lien strip) Postponed
Told today, 12/6 to bring the payment to the law office.
341 Hearing (went smoothly I think, trustee a little rude in hindsight)
January check of Credit Score TANKED
3rd payment made
Question: Got a letter from Trustee objecting to some exemptions. I emailed the law office, I wonder if this is just normal procedure?
Answer: Received email from law office, it was a clerical error and has been corrected, we are on schedule for confirmation next week.
January 15, 2013
February check of Credit Score
Confirmation Hearing and CONFIRMED!
February 12, 2103
LAM Motion Hearing (Lien Strip) Continued.
April 2, 2013
April 9, 2013
Approved and Confirmed. I now start making payments to trustee instead of lawoffice.
April 12, 2013
Recieved exit letter for Attorney and under separate cover a copy of his claim against the BK. funny!
Also recieved a credit card application in the mail, preapproved. HUH??? Not gonna happen!
April 15, 2013
Signed up for Autopayment directly to trustee office.
April 17, approved for autopay!
April 2013 (Extra payment made by mistake, right before autopay starts) (tax refund sent in)
I AM SO STUPID and it cost me 400.00.
I was approved for autopay, but the law office told me to make my payment via a money order, so I did. Then I get a notice the the autopay will be on the 20th, so guess what, May got two payments. DAMN IT! I needed it, my kids birthday. The only thing that saves me is that I get 3 paychecks and I have been ultra careful!!!! But GAH!!!!!!!
May 31st. Just an update to say… time is CRAWLING right now! May was the longest month!
June 4, 2013 Approved for a real Credit Card, in the amount of $300.00. 8 months after filing. Found out the card was expensive and called and made sure it was closed.
October 2 2013 – One Year Anniversary
January 19, 2014 – General Update
February 2014 – Received Trustee Yearly Statement
February 2014 – Received a court document that states one of the creditors is changing attorneys. Nothing needs to be done on my part.
March 2014 – Sent 2013 taxes to the Trustee. No refund this year and I owe approx.$1200.00~ Paid by saved grocery money, clothes money and car maintenance budget. Whew!
(Extra payment made by mistake, right before autopay starts) (tax refund sent in)
August 2014 Credit Score – 655. Not much movement! About the same as this time last year! Meh, it’s fine! I can work on it when this is finished!
September 2014 Update and Debt Numbers
October 2014 Credit Score
Almost half way – Random Thoughts
February 2015 – Received Trustee Yearly Statement
April 2015 Half Way!!!
April 2015 HELOC forgiven by Chase
December 2015 Credit Score
February 2016 Credit Score
February 2016 Recieved Trustee yearly statement.