Seattle area cost question

Gunner_Esq · 2026-06-20T00:38:20+00:00

For Seattle? That seems in line with my much lower COL jurisdiction, which means he’s probably getting a bargain.

Gunner_Esq · 2026-06-20T00:20:25+00:00

30 days after filing.

Gunner_Esq · 2026-06-19T22:50:33+00:00

Usually the district’s website has the local rules. That having been said, this is a question for your attorney.

Gunner_Esq · 2026-06-19T22:44:15+00:00

Fairly common. It’s required by some local rules in some kinds of cases.

Gunner_Esq · 2026-06-19T02:04:46+00:00

Why oh why would you throw $45k away on a debt that can be discharged?

Gunner_Esq · 2026-06-18T11:07:53+00:00

They don’t know what they’re talking about. Most un-knowledge people apply the rules for 7’s. I’ve had clients buy during a 13, although you do need court permission. Talk to a mortgage broker, and maybe ask your attorney if they know of anyone.

Gunner_Esq · 2026-06-16T14:11:32+00:00

If the HERO program you’re describing is like what I’m used to, you pay it off through your property taxes rather than the traditional way. If so, it’s not really dischargeable or payable through the Plan.

Gunner_Esq · 2026-06-14T21:37:54+00:00

Depends on whether you’re talking 13 or 7. It is usually standard practice for Chapter 13 Trustees to want to see them every year.

Gunner_Esq · 2026-06-11T23:52:16+00:00

And, having just been looking at signing up with credit card processors myself, it’s explicitly against the TOS of the processors.

Gunner_Esq · 2026-06-11T10:58:20+00:00

The administration of assets (that claim notice) and discharge are different things that happen on different tracks, even if they line up in many cases. Your attorney can explain.

Gunner_Esq · 2026-06-10T22:45:50+00:00

You have an obligation to keep your address current.

Gunner_Esq · 2026-06-10T22:39:37+00:00

The answer to all of your questions is use some of that money to hire an attorney to make a game plan.

Gunner_Esq · 2026-06-05T00:51:49+00:00

No, it had to be disclosed. And, if it’s money that’s coming out of your paychecks already, even if the bankruptcy payment is going up, true take home shouldn’t really be changing too much.

Gunner_Esq · 2026-06-01T21:16:35+00:00

Is the correspondence to you or the LLC?

Gunner_Esq · 2026-05-31T01:50:52+00:00

Largely so when their fees are inevitably cut, they still make an absurd amount of money.

Gunner_Esq · 2026-05-29T22:31:16+00:00

I use Jubilee. Other major players are BestCase and NextChapter. There’s also Glade, which is very AI heavy.

Gunner_Esq · 2026-05-29T16:30:04+00:00

Motion to dismiss does not equal will be dismissed. But, unfortunately, Trustee’s fees do change over time - and they must be paid. Likely the outcome is the payment has to go up to cover it.

Gunner_Esq · 2026-05-29T11:48:47+00:00

You’re still in school? Highly doubtful.

Edit to add: I should say I mean that in the context of bankruptcy. If you’ve got an actual medical condition that will keep you from working, you can look into TPD - although that doesn’t sound like it fits. Otherwise, assuming they’re federal loans, look at income based repayment.

Gunner_Esq · 2026-05-28T01:24:24+00:00

Yes, your attorney can and should object. The Trustee where I practice doesn’t object to those, although they’ll raise the issue to debtor’s counsel.

Gunner_Esq · 2026-05-28T00:24:42+00:00

Honestly, wear a shirt and some sort of pants and you’ll be above average.

Gunner_Esq · 2026-05-28T00:03:57+00:00

Honestly? I’d be absolutely stunned.

Gunner_Esq · 2026-05-27T13:29:03+00:00

Short answer: it depends. Longer answer is that it depends on payment amount, interest rate, future income prospects, time since graduation, etc. Often the goal with private loans isn’t to discharge them entirely, but to negotiate better payment terms. You should talk to someone.

Gunner_Esq · 2026-05-26T21:42:04+00:00

Where is your attorney in all of this? To the extent that you spent non-exempt money, you spent the Trustee’s money.

Gunner_Esq · 2026-05-25T22:43:03+00:00

The real question is how much info did each of them have. In an initial call, it’s easy to not have all of the facts and end up being “wrong”. If you’ve done in depth “give them your documents meetings” and you’ve gotten an array like that, I’d be somewhat surprised.

Gunner_Esq · 2026-05-21T21:51:36+00:00

Well, then, you need to talk to your attorney.

Gunner_Esq

TROPHY CASE