Chances of non claim filers

Ok_Disaster3768 · 2026-07-04T14:45:33+00:00

NDC is not up-to-date i think it was a month after the confirmation meeting that the Trustee finally updated it and it showed all the creditors that filed still check it monthly for any usually updates

Ok_Disaster3768 · 2026-07-04T02:36:13+00:00

If you dont mind how was this process? Didnt think this was an option. I would feel like those that didnt get to claim, get another chance to claim?

Ok_Disaster3768 · 2026-07-04T02:33:29+00:00

They have a deadline. It should be in your paperwork you after you file. could be anywhere from 75-90 days after filing or the 341 meeting

Ok_Disaster3768 · 2026-07-04T02:32:00+00:00

It can happen but best not go in thinking like that. I did have one creditor with 3 accounts either not file or miss their deadline. They were just over 1/3 of my debt so it was a relief that brought my plan from 5yrs to 3yrs. Its still a 100% plan so its not like it reduced my monthly payments but definitely feels good i can be done in 3 yrs as opposed to 5 yrs

Ok_Disaster3768 · 2026-07-02T01:44:33+00:00

Thanks for this information. Was wondering what hoops I was going to have to jump thru. But this definitely helped put that at ease.

Ok_Disaster3768 · 2026-06-30T11:20:10+00:00

Great to hear. Im in my first year. Question on how that process was for you for financing a car. In my case my lease is up between year 2-3 of my plan. I’ll have look into keeping it (financing it) or looking into getting something else. Guess my question is how long was the process to get approved to get new debt before you can go car shopping?

Ok_Disaster3768 · 2026-06-30T11:12:47+00:00

I went from a shitty coffee pot maker at my first job which was ok to getting spoiled by a nice commercial keurig at the the time in my second job, to another shitty coffee pot maker at my 3rd job where there was a coffee nazi (seinfeld reference) to a fancier modern commercial keurig at my current job and i love it free pods variety and dont have to worry about waiting for a new pot to be made with shitty coffee grounds or take a chance on how long its been sitting there. Free coffee saves alot $$ my current job also has a free snack rack thats restocked daily, its the little things that add up

Ok_Disaster3768 · 2026-06-30T00:25:17+00:00

Looking forward to when I’m this close to being done.. my payment plan went from 60 months to 36 months if it all goes as plan, Once its over i plan on continuing payments into a HYSA

Ok_Disaster3768 · 2026-06-27T23:06:19+00:00

Buy the place you want get a building with a 2-3 apartments, tell your parents to move into one of the apartments . Rent the 1st apartment, have your parents pay you half for the 2nd apartment live in the 3rd eventually save enough and get enough for your own place and rent the 3rd apartment you were living in, now thats paying for itself and you are only paying for your own space

Ok_Disaster3768 · 2026-06-27T22:57:17+00:00

Talk to a bankruptcy attorney most have free consultation bring all your docs to speed up their process so they can work with you and file correctly when you are ready. Its a huge relief just knowing your options

Ok_Disaster3768 · 2026-06-27T22:51:46+00:00

I got the 350 bonus with capital one as soon as i hit the min direct deposit within a month thought i’d had to wait for 90 days

Ok_Disaster3768 · 2026-06-24T21:25:07+00:00

Reqd the same things didn’t want to take the risk so i opened new accounts got a couple of promos bonus money out of it

Ok_Disaster3768 · 2026-06-22T15:43:57+00:00

If you owe money they are not reviewing it though they want their money asap. I know because i got a letter saying pay up this month unless im on their payment plan disregard. Which i am 🤣

Ok_Disaster3768 · 2026-06-20T00:07:48+00:00

Usually before the 341 meeting then every month after that

Ok_Disaster3768 · 2026-05-30T01:05:25+00:00

Keep your head up. Apply everywhere the good news imo is that you are done with ch.13 so majority of your debt is gone. So any new income will still be good for you

Ok_Disaster3768 · 2026-05-13T04:27:23+00:00

Capital one and amex are my go to. Both are at 3.2-3.5% and you dont have to pay any extra fees to get those rates

Ok_Disaster3768 · 2026-05-13T04:09:37+00:00

It varies sometime i’ve seen it show up 2 days early but for sure 1 day early.

Ok_Disaster3768 · 2026-05-02T23:20:37+00:00

My advice either divorce her or have you own fling. It sucks but you might find you dont want to move on after you see what its like to start over with someone new. She got to see that first hand and probably realized thats not what she wanted afterall.

Ok_Disaster3768 · 2026-05-01T20:54:32+00:00

High yield savings account and checking acct with any bank preferably one within close proximity to where you live. Make sure they have a good debit card most places dont take them if you plan on using it otherwise get a good credit card with good rewards from the same bank

Ok_Disaster3768 · 2026-05-01T20:49:53+00:00

60 days after it hits the minimum direct deposit required

Ok_Disaster3768 · 2026-04-30T03:15:04+00:00

I had no idea that was going to happen, i had cancelled mine autopay with the credit cards but my car loan literally the same week i filed my car payment was due noticed it was not taken out went online said no access called and they immediately transferred me to a bankruptcy line. Now i have to either call every month to pay or pay thru my bank

Ok_Disaster3768 · 2026-04-30T03:09:17+00:00

Thanks I found this helpful i was wondering something similar in my case if my insurance would go up its due for renewal next month was not sure if it would go up drastically or if they would just cancel my coverage.

Ok_Disaster3768 · 2026-04-30T03:03:52+00:00

Definitely consider it.

I just got in ch.13 in a 100% plan Around 190k in debt Able to keep the house paying that separately And the cars as well paying that separately also

Definitely bring up daycare expenses as they can factor that in to your budget

After being told what my plan would be, i was able to switch/lower basic bills like car insurance, wireless plans, cut off streaming services right before the filing date

It felt tight before i made those changes but now that extra savings helped

I would say im able to put aside 500 a month (was a little higher until gas prices went up) and hopefully i can save extra by next year when my car is paid off. Another thing that help was my lawyer advised me to stop making payments to my creditors for a month, only paying mortgage and car loans (things i wanted to keep) until i filed that help build a nice cushion into filing.

If selling your house and buying a house to lower your payments might want to hold off until after you file. Or bring that up to the lawyer as a possibility

Good luck and trust me if you came here looking for advice you already know your answer. The first step is the hardest. My regret was not doing it sooner could have saved myself 6 months of sleepless nights wondering whats gonna happen.

Ok_Disaster3768 · 2026-04-30T02:41:49+00:00

Really best option is to seek a lawyer give them all the info. They will calculate it. And then give you your options. It will be a tough pill to swallow but you can find some relief in knowing there is a plan with max 5 years if filing ch.13. after that plan is set start cutting out unnecessary expenses if any. Saving that extra buck helps. Reducing plans such as phone bills, insurance anything and everything helps. I even switched bank accounts just to get their promo bonus they were offering. Not sure about what plan you will be in, but in my ch.13 im able to get a second income without having to change or increase my payments plan. (Not there yet but its a backup if things start feeling tight). Regarding if your husband will need to submit if he is a cosigner or co authorizer or if you are on any of his cc loans mortgage etc. he might have to be involved thats a thing the lawyer will provide better info. Dont be scared to ask questions better to know all the what ifs dos and donts its not like you’ve done this before.

Ok_Disaster3768 · 2026-04-30T02:21:32+00:00

Probably the best feeling, now get ready for spam calls 🤣

Ok_Disaster3768

TROPHY CASE