02-21-2008 10:10 AM
02-22-2008 07:06 AM
02-23-2008 02:30 AM
02-25-2008 07:59 AM
LTrain823 wrote:I am meeting with a ch. 13 lawyer in friday. The first lawyer i spoke with said he doesnt do chapter 13's so he referred me to someone else.Be sure you bring all your questions. Write 'em down. No matter how stupid or trivial it may seem. Get a composition notebook--one of those black and white cow looking ones with pages you cannot rip out, at least not easily. Make notes, jot down questions. Use it for your BK and nothing else.Be sure to ask about the differences and advantages/disadvantages of BK7 versus BK13. And be sure this lawyer does both BK7 and BK13.I think if you can get qualified for a BK7, I'd go that route. Some who post from the pulpit will probably preach the evils of BK7. You ain't gonna hear that from me. I say if you're in too deep, and you can get a BK7, take it. You're out from under the thumb of the debts completely. Fresh start and all that. It's sorta like going "cold turkey" whereas BK13 just weans you off by cutting down "to a pack a day".Is the goal to show as less disposable income as possible?Question #1 for the notebook for the lawyer...What happens if i have used a lot of credit cards in the past 90-120 days?Just be honest with your attorney about why you used the CCs....I know I know, please spare me the preach...If i owe many friend and family money will the trustee let me use the tax return check to pay them back? Does it make sense to wait until i get my check before i fil bk?...I spoke to someone yesterday who told me that his lawyer told him that they will not touch his house and then 6 months later the mortgage company forced him to forclose...that worries the hell out of me!!!Did this person self file or use a lawyer?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.