In Chapter 13, you need to keep a chart of when you make your mortgage payment. Now that you have filed Chapter 13, you need to keep a monthly chart of your mortgage payments. Over five years missing a payment or two can be easy to do and lead to disaster. So start...
After you make your last payment to the Chapter 13 Trustee, it takes a couple months before your Chapter 13 is over and you get your discharge. There’s One or Two More Things You Have to Do Your Chapter 13 isn’t over and you can’t get your discharge unless you file...
Once up a time: Widow Anna saves her house and clears her debt with Chapter 13. Once up a time, an elderly widow named Anna needed to replace the HVAC in her townhouse. Her air conditioning broke down and she needed to fix it. Anna was poor. She had $1404 monthly...
Marian Saves Her House from Reverse Mortgage Foreclosure: She Filed Chapter 13 and Got Fairfax Senior Citizen Tax Relief Before her husband died, Marian had taken out a reverse mortgage on her home. That way, they hoped, she wouldn’t have a house payment and...
Chapter 13 Trustee Thomas Gorman Thomas Gorman is a lawyer. He’s the Chapter 13 Trustee for the Alexandria VA Division of the US Bankruptcy Court. That’s a full-time job. He was appointed in 2009. He runs your Chapter 13 bankruptcy hearing, called the...
If you are in Chapter 13, the vehicle operating budget you are allowed will be too small. That’s (almost) a mathematical certainty. Here’s why. The census bureau shows–no surprise–that people who are working spend on average double on...
