How about a chapter 13 vs chapter 7 if I only owe credit cards
2026-08-18 19:37:49
1
Crystal :
I was in a dsp and now I’m ch 13. Im paying more per month BUT I’m completely protected. Plus I pay it all back in full! 5 years to freedom!
2024-11-16 01:29:24
17
Starr Cruz :
In Chapter 13, you’re able to keep your house and vehicle??
2024-11-26 11:37:34
4
LexMonahan :
I’m working with a debt management company that helped me close all my cards, get the rates down low (as long as I’m enrolled in the plan though them) and then I pay them the min monthly payments
2024-11-16 22:03:06
6
Anthony Rogers :
The means test needs updated for inflation. Im on a 100% plan😭😡
2024-11-16 21:04:33
6
David Allen :
so i shouldn't dismiss my chapter 13 and enroll into a settlement program. i'm currently in a 100% repayment chapter 13 and im struggling after bk payment is taking out.
2026-04-02 00:01:35
1
Krissy :
I don’t have much income however I was told to file for a chapter 13 because I own 2houses that are completely paid off.. I live in one an the other needs major renovations
2025-02-13 18:23:16
1
Chris :
This. Ch 13 over debt settlement company all day every day.
2024-11-15 21:56:36
11
zelkari2425 :
I just need to get rid of a unaffordable vehicle without killing the co signers credit 😅
2025-01-08 09:58:11
2
Angelisa Hardy :
What if I want to file a chapter 7 even if I’m above the household income limit?
2025-01-31 21:09:31
1
Raven :
After all the paperwork my attorney says that the trustee will look at the future income and want to push a 13 versus 7 due to my income from VA disability 😏. Sucks because it’s hard to keep employ
2025-01-13 02:09:15
1
Shane :
Question I've been working alot of overtime trying to balance the scales but that overtime is what is pushing me well over my limit. It could end anyway. I worry this will hurt me in a chap 13 payoff
2025-02-13 20:06:12
1
Adrienne Hines :
Put this one in your favorites… you’re going to want to come back to it for reference!
2024-11-15 21:24:19
6
Lilian :
How do I erase bankruptcy from my record? :/
2025-02-12 20:46:26
1
shepherd_loveco :
What about how all those options effect your credit in the future. Like buying a house or refinancing an equity line ?
2025-01-31 01:13:38
1
Miguel :
What exactly happens to your score when your discharge happens after your hearing?
2025-01-01 22:41:07
1
GrizzE49 :
So let's say I make under the amount and am able to file a chapter 7. Would I have to give up my stock and crypto portfolio? It's currently worth less than $500.
2025-01-02 19:44:31
1
minimarvelous :
What if you don’t have the $ to file a 7.. should you settle for a 13??
2026-08-18 19:41:10
1
MooseMum :
I’m in a ds program and got summoned… paying ALOT more than a chapter 13 would require at the moment considering all options
2024-11-16 02:55:56
1
Ali :
chapter 7 question. What If the wife is the one filing and not the husband will they still base income off of husbands income since his name won’t be on any of the debt?
2024-11-18 07:17:25
1
Tatita :
How long does it take to get the discharge after the last payment? Chapter 13 - 3 years
2024-11-16 00:16:42
3
aharper.rn :
What if you have a land contract in your home and wouldn’t be able to get a loan on it by the “maturity date” in the land contract?
2024-12-05 18:04:53
0
MissiE7292 :
I want chp 13 but nervous because I'm a fed employee
2024-12-30 11:29:03
3
Matthew :
Do you recommend downgrading my job to qualify for Chapter 7? I make way too much $ but want to have my debt wiped.
2024-11-25 01:22:29
1
Nyree :
I want to file chapter 13
2024-12-15 00:47:45
2
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