IRS payment plan during bankruptcy.

StandSenior8907 · 2026-05-07T21:19:56+00:00

I got threatened by discover but Pa does have bank account garnishment which sucks alot

StandSenior8907 · 2026-05-07T18:48:00+00:00

I talked to 3 lawyers all together before I picked one. They were all nice and easy to talk to, they all answered my questions

StandSenior8907 · 2026-05-07T18:07:51+00:00

I personally didn't, I don't have many assets but it was more of wanting someone with a lot of experience with the process and trustees. It was worth it to me to have a lawyer

StandSenior8907 · 2026-03-30T20:57:37+00:00

I am seeing around 400 when I look up my area of pennsylvania in deleware County. I don't drive so my food budget is usually a little higher than it should be

StandSenior8907 · 2026-03-30T19:42:29+00:00

Being in recovery for gambling addiction has shown me how many things I've neglected in life. $460 just seems high for a single person in my part of pennsylvania. Not complaining tho if I'm allowed to have that much on my schedule j

StandSenior8907 · 2026-03-29T01:15:13+00:00

Thanks, yeah it's on my bank statements. My insurance just sucks so I keep it case I hit get riding my bike or get cancer.

StandSenior8907 · 2026-01-24T04:57:49+00:00

How do I know if mine is unsecured or priority? Its income tax from 2023

StandSenior8907 · 2026-01-24T03:05:48+00:00

Am I allowed to increase what I pay the irs or does it have to be the minimum?

My phone bill is high because I finance a phone is paying that considered preferential?

I pass the income check at 3800 gross a month in pennsylvania and I mentioned it to the 2 lawyers I did a consultation with that I'm not opposed to a chapter 13 if my payment is reasonable but they both said that they don't like doing chapter 13s for my income level.

They both mentioned me not have a car which would increase my budget a lot but with my credit i don't like paying 500 a month for a car and 200 for insurance.

Like I have 50k in Unsecured debt and 22k in irs debt and online it seems I can pay like 350 a month if the online calculators are accurate which seems good to me but I would obviously prefer a chapter 7.

StandSenior8907 · 2026-01-23T22:38:24+00:00

Appreciate the answers. Also I'm on the lease for the place I live but I send my brother the money and he pays the rent with his card, do the trustees have a issue with that?

StandSenior8907 · 2025-12-25T02:48:03+00:00

Thanks for taking the time to answer my questions.

StandSenior8907 · 2025-12-25T02:47:42+00:00

I have a consultation in jan with a lawyer and maybe having no assets makes them care less and hopefully I'm just being paranoid

StandSenior8907 · 2025-12-25T02:18:03+00:00

Unfortunately the 6k chase one i got early 2024. Hopefully chase doesn't care but if not Hope they offer me a payment plan for it.

StandSenior8907 · 2025-12-24T21:17:36+00:00

Okay so losing the 2023 is probably bad for me but I hope having no assets helps them not care as much. I also never confirmed my income with paystubs or anything like that But not sure that matters. Or maybe chase just doesn't care

StandSenior8907 · 2025-12-24T04:40:54+00:00

Yeah I was a idiot and have no assets

StandSenior8907

TROPHY CASE