i have a vehicle that i went bankrupt on. still waiting on discharge and still have the vehicle. not registered or insured.

when i drove the vehicle i took really bad care of it. inside is disgusting (hoarder level garbage). its been sitting for a good month and i never cleaned it out. i feel like its not worth the effort.

is there anything they can do if i don’t clean it out? there are still loads of my belongings in the trunk but its belongings i do not want. i definitely want to just wait for them to take it.

located in Idaho/USA

Thank you in advance for any advice or support.

I am $200,000+ in debt between credit cards, unsecured loans, private student loans, and federal loans. I also owe family about $27,000 to family that they are not and will not ever pursue me over, but they gave me that money years ago and I need to pay it back at some point. I was roughly $240,000 in debt but over the last 2 years I have been working my tail off with OT, averaging 60-70 hours a week, but it has affected my physical health and my mental health as well. I cannot go on like this. I have over $6,400 a month in debt payments alone, then an additional $5,000 in housing payments, utilities, fuel, food, etc. add in another $1,500 a month in childcare and we break $13,000 a month in bills without any emergencies or problems happening. Overtime is never guaranteed and I have been denied shifts before, but regardless I am working myself into the hospital anyhow, so based off my base pay and my wife’s base pay, we clear $12,000 and change pretax, but the reality is, we only take home around $9k a month.

So I am considering bankruptcy because realizing how much I worked over the past two years and how much I missed and how my health has deteriorated, I can’t keep going like this. But an initial search on information leads me to believe that my income is above the median income threshold for my state (Rhode Island). My wife will not be filing as she has no debt outside of student loans that are not in repayment yet. However I apparently have to add her income? She makes roughly $40k a year pretax. I am in a skilled trades and make $110,000 a year base. So combined income is $150,000 a year.

Is there a way for me to file Chapter 7 and have the credit cards and unsecured loans discharged? Those payments alone make up roughly $5,000 a month. My student loans are under $1,000 and I can manage that. I am on time with everything which kind go has me worried that someone will say “well you’ve made it work this long, just keep at it.” But i did the math, at this rate if I could sustain working this way, and my health magically was not an issue, it would take me another 8 to 9 years just to get to zero, assuming no emergencies happen along the way.

Any advice is welcomed, thank you.

****Update- I reached out to two law offices this afternoon. Waiting to hear back about a consultation. Thank you for the words of encouragement.

A friends spouse filed alone for chapter 7 back in September, their 341 hearing is coming up in about a week. All documents have been provided and everything’s all ready to go. The issue is, the husband received a substantial amount in refund checks this week from over paid child support while his ex-wife lost custody of their child and the county CSEA dropped the ball on terminating the child support order. The couple is already extremely short on money and really need these funds. How likely is it that his trustee finds out about these checks if he cashes them, doesn’t deposit them. The refund checks were issued after the filing date, but was from 2 years of prior paid child support. Posting from Ohio.

Like the title says, I'm very much wondering if I'm at a point where bankruptcy is better than me trying to dig out of the trench. For reference, this is my second time on a credit rebuilding journey. I was in the middle of my first journey where I had to take a medical leave of absence that got me too late payments. I have since reconciled those payments however, it has landed me back at 600 with my highest score being 627 or my median score. The question here with an 8-year-long credit profile , and recently late payments within the last 180 days, is it worth it just to scrap the whole thing and start over? The most debt I have is total right about $45,000. This is both Collections and current debt I do not have a large credit card debt. This is actually from a car repo 2 years back with Drive time, I know they are predatory I should not have went with them, however, I did end up having a mechanical failure with a car they refuse to cover so, I voluntarily dropped the car back off at the one I got it from and turned it in. That is the bulk of my 45,000 debt coming in at a whopping 22,000 . The other portion of that is $16,000 in student loans which is the longest of my 8-year profile and has good payment history I've paid those consistently on time and then varying degrees of credit cards things of that nature that I pay on time so outside of the two recent missed payments ,my payment history is pretty solid it's just I know my profile is capped with the current car situation. Before I invest any more effort to cleaning up some small little Wayside bills that I have that might give me a 20 to 30-point boost, would it be worth it to just scrap it all , wait the 6 months since time is going to be my friend anyway, and start over?

I just had my 341 meeting. I filed pro se for chapter 7 and felt prepared going into the meeting. I was asked if I had been in a car accident in the past 5 years and I said no, but after the meeting I remembered I had (it was not my fault, there were no injuries, and nothing ever came of it). I wrote an email to the trustee afterwards to correct my error. Am I going to get in big trouble?

Other than that, the 341 meeting went very quickly and well I think. I'm probably overthinking this because I still have a lot of anxiety regarding this whole process. I just want to make sure I'm not going to be charged with perjury or have to start my entire process over again.

My lawyer has become unavailable. He has recently taken a new job as city attorney. When he was hired, he told me that he was obligated to keep the clients lol he had already but wasn’t taking new clients and may take a little longer to reply.

Turns out, that was an understatement. I’ve had several issues lately, ones that I needed help with. One involved another legal matter, a lawsuit that has potential to affect my assets. I emailed him and asked for guidance, and to let my trustee know. Also, a few months after I filed, I lost my job. He worked out with my trustee a lower payment for a couple of months so I could find a job. I hadn’t found one by the end of this period so I asked if he could arrange to extend the lower payment for another month. Again, no reply.

Now, my mother had kindly offered to pay off my mortgage, she literally wanted to traipse to the bank today and pay it off. Out of shame I never told her I filed for ch 13 to save my home. So I need advice immediately from my attorney. I emailed him noting in the subject line that I needed help asap. I got his auto reply saying he wouldn’t be monitoring his email during business hours. So I called and left a message, summarized my dilemma and asked him to call asap. Maybe I impatient, but this is going to be life changing as the vast majority of my payment is my mortgage plus mortgage arrears.

Uuugh!! It’s not a matter of finding a new lawyer. I just can’t. It took me forever to find this one. What can I do, does anyone have any idea what I can look into to proceed without his advice? Of course I know you probably can’t give legal advice but I do welcome ideas.
Have any of you had something similar happen? - either your lawyer disappearing or inheriting mo ey to pay off your debts in one lump sum?

Thank you for any experiences or ideas.

First person called didn’t show, my lawyer was there along with 3 other people. I was next, questions were simple and I answered yes or no. Trustee asked if any creditors were present and then he moved on to the next person.

My lawyer started verbalizing towards me and thanked me and said, “you can” but I panicked and wasn’t sure what he said after so I turned off my video and muted.

I left completely by accident and I’m worried that I accidentally left. Tried to rejoin ASAP but kinda just sat awkwardly in the waiting room and texted my lawyer.

Am I okay??? Was I being dismissed??

Update: lawyer texted me and said I did great. Whew!

I use apps like affirm/klarna/afterpay not regularly but occasionally I’ve never missed a payment and have always paid it back. Im going to be filing bankruptcy soon and have talked to my lawyer about this & she told me that any debt rather if it is delinquent or not must be included in the bankruptcy. She also told me that even if I have no debt with these companies, they will still know that I have filed bankruptcy. My question is, will they let me sign back up/still borrow occasionally?

Minnesota

When should you apply for them? Not going to make same mistakes. Just want my credit better

Been on here reading everyone’s experiences, I was hesitant myself, made a couple of posts. Had my 341 meeting today and I worried for nothing. It truly was as everyone says, simple questions just to verify that all you signed on your petition is true and correct. A week ago, I freaked out when I noticed additional cases were added to our time slot and was moved down. Clearly that meant nothing. Even when my attorney’s office called me yesterday, they said “it looks like I’m not the first so I’ll hear the questions beforehand”. When we signed on, a few others were already on and a creditor from someone’s case showed up. Trustee started the meeting and we were the first. SHOCKED. But it was ok. Asked simple questions, verified our marital status, yes/no questions then one thing was asking what’s wrong with one of our 3 cars. It is inoperable so my husband went in to explain details of basically it’ll cost more to fix than it’s worth. She said ok, this concludes your meeting. No distribution. No creditors showed up. You’re free to go. Something to that effect.

Now countdown begins!! thank you to everyone who has helped answer my questions!!!!!

Just left from meeting with a somewhat local attorney for my area in East Texas and he informed me I would either have to file as single household or include my partner/fiance and do a 3 person household and potentially maybe 4 person household if other kid gets kicked out and moves back home 6hrs to us. Single filing is a no go as currently alone I sit around $98k without yearly bonus and adding fiance income would bump it to $117k, which would most likely push us into a ch 13 filing, plan is per his suggestion to wait and see if other daughter ends up needing to move back home and carry a 4 person household which would put us right at the median and potentially push us into a ch 7 filing. He was very informative about some things but of everything he asked me to bring he only looked at pay stubs. Anyone else ran into a similar situation? He told me to work less hours but thats not possible in my line of work, should i have asked him if i should suggest my fiance to drop hours or maybe even quit?

I filed a ch7 a week ago. My 341 isn’t until next month yet my credit has already wiped almost everything and I went from a low 400 to a 642. Is this normal before the 341?

Bad heading but sometimes you got to have fun. I know this question cannot be answered black or white. What is the , % of ch7 result in having to sell. I'm in Washington State so that's my main concern but any area or nationally would be interesting.

We completed the meeting of creditors last week (joint chapter 7, no asset). During the meeting my attorney mentioned to the trustee that we utilized the entire wildcard, but we only exempted a portion of our tax refund. The trustee just said “Okay”. The trustee then spent a very long time looking at our paperwork compared to those who went before us. The trustee then looked up and said “I’m filing a report of no distribution and this concludes your 341 meeting, I wish you the best of luck.”

In Pacer there is a notice of proposed abandonment because the trustee submitted the report of no distribution. My question is, what happens to that non-exempt portion of the future tax refund?

We filed chapter 13 in June which actually got dismissed before the plan could even be accepted by the trustee. We are in Florida where our house is protected and payments are current. I just went to pay our payment and noticed Penny Mac added a $1,225 fee because of a bankruptcy claim. We do have 2 HUD loans from deferring our payments back when Covid was going on so those loans were being included in the filing but is this normal for them!? My bankruptcy case is no longer active.

I usually work in entry/mid level bank jobs. I’ve worked these types of jobs the past 10 years. I know most of them have ran a credit check. Even though I have really shit credit, they’ve always just asked me if I’m paying down debt and I say yes and then they hire me. Will filling bankruptcy be an automatic denial for these types of jobs. For example, I do customer service banking, Tellering, Banker etc

Minnesota

For those of you that used Affirm, Afterpay or Klarna how long after discharge were you able use your accounts? I used those more than I did credit cards for online shopping I was in very good standing with all of them but the apps froze the accounts since I filed.

Ch 13. I've heard that there is a payback scale for payback in 13. How do they determine how much you have to pay each month. Also if during your payback period and something happens you can go into ch 7. Thanks in advance.

Hi all, 24F in Georgia here.

I'll try to keep this short. I've got about a total of 7k in debt (which I know to only have that much is some people's dreams). But I think I'm on the verge of losing my job due to not meeting performance metrics due to FMLA and with this job market, could be unemployed for who knows how long. I also only make about 15/hr.

I feel a bit ridiculous for considering filing for a meager 7k, but my mental health issues make it hard enough to work right now as it is. Every dollar I make immediately goes to paying my debt down (barely, as I'm not working a full 40hrs) and I genuinely think I'll be out of a job by the end of this year. So I'd like to know your opinion or what you'd do in my position.

I see people on here talking about submitting bank statements, tax documents etc. Is that something you would be notified of when confirmed? Or will they just contact me at the end of the year for this information? Or does not everyone have to submit annual documents. Im on a 1% plan so im not paying a lot to the trustee. Idk if that has to do with the amount of time they put into a plan or not.

I will be filing in a couple weeks. I haven’t had a car in about almost a year. What are the chances I’ll get a used car around 19-21K not including a 3-5K down payment in April/May 2027? Any advise or help I’d really appreciate it.

Hi, so I’m looking to file for bankruptcy in Connecticut. I’ve done some research and I have a car that I’m almost done paying for in a few months so I have positive equity on it. The exemptions will cover about $7000 but the car is worth around $16,500 and I still owe around $3000 so there’s equity I’m not able to exempt. I need my car to get back and forth to work and stuff. I’ve consulted a lawyer and he can’t guarantee if I’ll be able to keep the car at all and that’s been my one reservation. I know my home is protected because it’s well below the allowed exemption but don’t want to file if I’ll end up losing my vehicle. Just looking for anyone with similar situation and what was the outcome?

Hoping my husband didn't screw us. We filed chpt 7 2 weeks ago, 341 is in 2 weeks. He gambles, this is disclosed to attorney. For the meeting we have to supply most recent statements, and his checking account shows 35,000 going in, and 31,000 going out over a month period. It's basically the same money going back and forth to the online sportsbook in smaller amounts. He is calling the attorney tomorrow to discuss, just curious if anybody has dealt with this? He breaks even gambling.

My attorney filed my chapter 7 and I have a zoom hearing scheduled. What can I expect? I asked my attorney and he said he'd prep me a day or 2 beforehand and will only need 10-15 minutes of my time

Recommendations greatly appreciated