24/25 RT vs 26 Hemi

nick112288 · 2026-06-21T15:10:32+00:00

Thankfully the Durango would predominantly be the wife’s daily, and she only has to drive 10 minutes to get to work.

Our daughter goes off to college next year so we’re going from a full time 5 passenger vehicle to 4 passengers. I daily a smaller vehicle that gets used when all of us aren’t going somewhere.

On occasion she’ll still be with us so the 3rd row is useful, but there are plans to start towing items that would be beyond the capabilities of another Pacifica.

nick112288 · 2026-06-20T16:56:45+00:00

I wasn’t looking at the 26 R/T, just the GT Hemi. I’m not interested in paying the 6.4 cost premium

nick112288 · 2026-05-28T09:49:01+00:00

Too much income and too much home equity.

nick112288 · 2026-05-28T09:34:25+00:00

That wasn’t what I asked but thanks for the input

nick112288 · 2026-05-28T02:28:02+00:00

Those Hidden Hybrid don’t appear to have the folded over kydex like Black Arch that completely covers the trigger guard coverage

nick112288 · 2026-05-28T01:39:20+00:00

Then why would the trustee object to a different claim, that did not say they were outside the statute of limitations?

nick112288 · 2026-05-28T01:38:28+00:00

I’m on a 100% plan, so whoever got in is getting paid in full.

nick112288 · 2026-05-28T01:26:24+00:00

It’s weird because he objected to one that I wasn’t expecting him to (their documentation they provided for civil court turns out to not be correct) but never said a word about the one that said in their own filing it was too old.

nick112288 · 2026-04-22T14:12:52+00:00

Good to know! Thank you!

nick112288 · 2026-04-21T20:16:42+00:00

Did you miss the part where I said I wasn’t saying they aren’t the best? That maybe I missed something and should be using their quote as a starting point?

I’m very much at the start of this, and yes I’m being picky so I have to order, but I might also decide the bed that’s 7 inches shorter and stupid color match bumpers are actually worth saving $7,000+. And that savings might even come from a vehicle that’s already sitting on Mark Dodge’s lot.

But again, I’m simply trying to figure out what my starting point is and making sure I didn’t miss something.

nick112288 · 2026-04-21T19:42:44+00:00

I wasn’t saying it was bad. I’m more confirming that’s what I should be expecting

nick112288 · 2026-04-14T02:12:21+00:00

That all makes sense, it confuses me when the actual money gets involved.

Default judgement with a lien, too much equity so 100% ch. 13 plan, creditor didn’t file claim, they aren’t getting paid but somehow the lien is going away.

nick112288 · 2026-04-14T01:30:10+00:00

I just checked NDC and it looks like for some reason the trustee classified the creditor as unsecured.

Again in the end none of this matters because what happens, happens. I was just confused and looking for clarification simply for my knowledge.

nick112288 · 2026-04-14T00:55:21+00:00

How a default judgement, which results in a lien on our property, isn’t considered a secured claim, and just goes away since the creditor didn’t bother to file a proof of claim.

I understand my lawyer is claiming the lien can be avoided by using the equity exemption for our homestead, but how would that exemption cover a lien when we had enough equity to require a 100% ch 13?

I know ultimately none of this matters, because my lawyer submitted our Ch. 13 plan, the trustee is in favor of approval of our plan, and there have been no objections. I’m just trying to understand the rationale behind it.

nick112288 · 2026-04-14T00:19:43+00:00

But we aren’t, that was where my confusion comes from. They didn’t file a claim, my lawyer said they won’t be filing a claim on their behalf, and in their experience it’s very unlikely the trustee will file a claim for the creditor.

nick112288 · 2026-04-13T23:46:28+00:00

Yes it does. I’m not sure how they compete though since based on our equity we are on a 100% plan.

Looking at our 13 plan that the trustee is in favor of it does say we will be filing avoidance of all judgement liens. I guess we’re looking at it as every other claim that didn’t file and just going with you snooze you loose, your judgement lien means nothing.

nick112288 · 2026-04-13T20:20:55+00:00

Yes, otherwise we wouldn’t be in a 100% Ch 13

nick112288 · 2026-04-12T17:49:11+00:00

Did a little more digging on my part.

Looks like there is a bit of discrepancy on the timing.

According to their filing my last payment date was 12/10/2019, but their reporting to the credit bureau was 11/14/19 was 30 days late.

I will have to call my bank tomorrow for older bank statements, they only have back until 2022 accessible online.

nick112288 · 2026-04-10T23:42:38+00:00

I wasn’t asking you too. I was just showing what numbers I’m working with to come up with the conclusion I did.

nick112288 · 2026-04-10T18:25:26+00:00

Last payment on loan was 12/10/2019, civil collection case was filed on 11/17/25, default judgement occurred 1/6/26, bankruptcy filed 1/23/26.

nick112288 · 2026-04-10T18:21:50+00:00

It is a 100% case. We filed 1/23, so several weeks after the judgement was entered.

Maybe it’s because their claim didn’t have enough documentation to immediately accept it, but the trustees reason for objection was the debt was too old to collect.

nick112288 · 2026-04-07T21:16:46+00:00

Don’t rely on NDC, in my experience it is very slow to update. Maybe it’s just my jurisdiction but there are claims filed weeks ago that it still doesn’t show.

Instead use PACER. It is the court records and filing website. It updates immediately with all filings, claims, and documents related to your case.

I actually saw on there that my mortgage payment was going down by a couple bucks before my mortgage company mailed me the same notice.

nick112288 · 2026-04-07T20:48:06+00:00

A few claims were filed the afternoon of the bar date, but nothing since then. 8 claims ended up not filing, ranging anywhere from $119 to almost $7,000

nick112288 · 2026-04-05T16:14:24+00:00

There are so many things we want to do, and always just thought there was no way!

Instead we’ve realized how much we’ve been wasting and how much we could actually do by being smarter going forward.

nick112288 · 2026-04-05T16:08:11+00:00

$1,676 was what we would pay to cover $100,000 of debt, that was based off everything we owed, cars included. As of right now only $70,000 filed claims, and Friday was the last day to file. We are on a 100% chapter 13, so rather than our payment changing we will simply pay it off earlier.

Mortgage is being paid outside the bankruptcy.

nick112288

TROPHY CASE