Post 13 life...

[Anonymous]

Dude... I totally understand that! I was the same way. The wife (now ex wife) and I were making $175k/yr and when she let a couple of credit card payments get missed and the fees and interest rate went to outer space I just said screw it and we did a 13. We got on the 100% plan but without accruing interest and fees and after 48 payments I got rid of her. I paid the remaining 12 payments and came out much, much better off.

[teflon_Cat]

You got rid of her? Lol... How much was your loan payment and total payment to the trustee? I am in the process now of filing 13. I am currently 6 months behind home loan, 3 months behind car loan. My lawyer said i need to make 910 days since I got the car to cram it down. Auto loan is 3% and home loan is 3.3% on FHA. I fell behind during divorce, and outrageous child support payment. I am now in a better job so want to save home & car, I can get other cards later down the road. Don't really need anything but those two for now.

[Anonymous]

About $1800 a month for 60 months. We were never behind on the house or cars. The house was excluded but we weren't allowed to exclude the cars. The last year of payments were a bit of a struggle but we worked out a deal in the divorce that I paid them all and she gave up her part of the house so it all worked out.

[teflon_Cat]

Thanks man. I recently got sued by a local cu for a PLOC that I had go bad they got a judgment as well so I def gotta file to protect home, and new job so that I can survive. $1,800 a month is very high, you still had to pay regular home loan, car payments out of the plan right?

[Anonymous]

I still had the regular mortgage payment but no car payments. Mortgage, Chp 13 payment, and utilities. It wasn't too bad for a year.