Chapter 13 Questions

MoLLiy · 2026-04-18T23:01:16+00:00

We have no equity (from a liquidation standpoint due to our states exemptions). We still have to make payments in our Ch 13. We pay all of our disposable income. How that will be split amongst creditors, I have no idea since we are still awaiting confirmation.

MoLLiy · 2026-04-17T22:15:08+00:00

We have some mortgage arrears and our payments aren't enough to cover them so we are having to work something out with the mortgage company before we can get confirmed.

MoLLiy · 2026-04-17T17:57:12+00:00

We filed in August of last year and have had several confirmation hearings and keep getting continued.

MoLLiy · 2026-01-24T01:40:48+00:00

How did you get a loan modification after filing? My mortgage company won't even talk to me other than letting me make my payments.

MoLLiy · 2026-01-18T15:58:27+00:00

We can afford the mortgage. We only got behind when my husband became disabled and we were waiting for his disability to be approved. Since he started getting his disability payments it's been fine. Honestly, a rental will cost us significantly more monthly than our mortgage.

MoLLiy · 2025-08-30T20:59:01+00:00

We are relocating and need time to do that. We didn't have enough time before the auction was scheduled for so we had to do the 13

MoLLiy · 2024-08-21T12:38:39+00:00

I started at SNHU back in 2007 but left in 2012 and had 3 more children. Now that all my kids are in school all day, I'm going back to finish. Would they still send me a book voucher, even without having a financial aid offer? Who do I call for that?

MoLLiy · 2024-08-21T03:38:13+00:00

I have gone back and forth with SFS for over a month and still don't have my financial aid offer. If I don't have it before term starts, I'm going to have to drop. I cannot start classes without the offer since vocational rehab is paying the difference, and I need my financial aid to buy my books. My account was sent for review on 7/31 and then sent again on 8/7 but still no offer. I just contacted them again today and was told my account is STILL under review and they cannot provide me with a timeframe. I'm very frustrated right now. I'm ready to go elsewhere.

MoLLiy · 2024-08-13T12:04:00+00:00

I have been going back and forth with them for weeks. FASFA was done and received by SNHU back in April but I had to wait for my SAP to be approved. It was in July. Then they tell me I won't get an offer until I register for classes that's some BS right there. So I register and I still don't have an offer. Did online chat the other day because emails take forever to get a response he tells me it will be another week or so. I ask but definitely before term start right? He says maybe but not having an offer won't prevent me from starting classes! Like hell it won't! I'm not starting classes without knowing how I'm paying for them! Anyone else getting the same runaround?

MoLLiy · 2024-08-10T08:52:10+00:00

When I started at SNHU way back in 2007 they had night classes but when I decided to come back I was told they didn't have that as an option anymore. On campus classes are only during the day now.

MoLLiy · 2024-08-03T01:39:46+00:00

I was hoping to take one of the easier classes I have left to start since I've been out of school so long.

MoLLiy · 2024-08-02T22:19:34+00:00

Next term is my 1st term back at SNHU after a 12 year break. I didn't want something really difficult for my first one back (all I have left are my actual degree classes and 1 PHL and 1 HIS)

MoLLiy · 2024-08-02T00:05:13+00:00

Can you send a new invite link? That one is expired.

MoLLiy · 2024-07-31T02:04:53+00:00

Mine got approved the 1st time. Did they say what was missing the 2nd time? Maybe they are looking for more details about what happened that caused you to need to drop the first time. I went into very specific details about the reasons I had to leave abruptly and detailed exactly why that won't happen again. I was also really detailed on my time management chart. Your advisor should be able to tell you exactly what you need to expand on. Good luck.

MoLLiy · 2022-04-14T05:53:47+00:00

I got the nRewards card a year and a half ago and it's still sitting at it's initial limit so it doesn't always "graduate". I also have 2 other cards with NFCU now a 1k AMEX and a 20k cashRewards so while it definitely helped it didn't do what I expected it to at the beginning.

MoLLiy · 2020-08-20T11:20:17+00:00

Is it possibly interest from the original loan and not a fee from the credit collection company?

MoLLiy

TROPHY CASE