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Hi there! My husband and I had a Chapter 7 discharged March/2015. Things were going well and we were rebuilding, however, in 2017 I have a Grand Mal seizure and couldn't drive or work for 6 months. We had to break a lease and move in with family but it has been downhill since with our credit. I have a consultation with an attorney this week, it is free for one hour then the attorney charges $250/hr so I'm trying to do as much research as I can. I do have a few questions, maybe y'all can help me out with.
We both have student loans, all of my husbands are under a IBR plan and we currently don't have a payment. Most of mine are under the same plan with no payment, however, I do have a Perkins loan that I do have to pay monthly.
Are all student loans usually included in the Chapter 13 payment plan or would it likely just be my Perkins?
We have two cars but we were thinking about letting one go and just purchasing one outright with our tax return in March/April. I have seen conflicting information about tax returns. Ours is mainly EIC and Child Tax credit.
Can the wildcard federal exception be used for tax refunds?
We will likely use the federal exceptions because my husband receives VA disability.
I know I can ask the attorney all of this but only having an hour isn't a lot of time.
Thank you for your reply, Perkins is only eligible if you consolidate them into a federal Guaranteed (FFEL) or Direct loan.