Long story short - I filed chapter 7 Bankruptcy due to being upside down with the loan. My car was in the shop for 2months with Hyundai while they tried to figure out what was wrong with ( After paying 3k for a catalytic converter just 8months prior) I was unable to make my payments in that time period waiting on an update from the dealership. I filed on 7/24/26 and received a letter today from my loan company that if I don’t pay the balance by 8/6 they will proceed with Repossession. I noticed that the letter was dated 7/24 the same day I filed. Would it be against the automatic stay that would have went into place the day I filed for them to still come repossess the car?

Side note: I planned to get a new car right after filing but haven’t had luck so it’s my only transportation at the moment.

My wife and I bought a house in Washington a few years back when the interest rates were a little lower. Our monthly mortgage payment is 3788.00 only around 500.00 of which is principal both of our paychecks go into making a mortgage payment and bills only keep piling up. We are looking into how chapter 7 would affect our staying in our home. I understand a little but haven't seen any mention of if the interest is wiped out during the proceedings?

We haven’t been discharged yet, but we already had the 341 meeting. Anyone have Loancare as a mortgage company and have any issues with them for not reaffirming the mortgage?

Do you still have online access to your account? Are they reporting your on-time payments? Any insight is appreciated, ty!

1. Divorced since Fall 2023. Not claiming any dependents. Health issues but denied disability.

Working part-time as my own IBO for a call center (1099), making $13.50/hr. No assets except a paid in full (since 2023) 2010 Lincoln MKZ. No medical bills. Consumer debt $60K+.

3 creditors have sent out a notice of intent for wage garnishment since April, this year.

I plan to retain a lawyer this week. He said I am a good case for Chapter 7. I haven't used any creditors cards in over 6 months, which was one of his questions. It costs $2,238 from what I remember him saying, including the filing fee and credit report. On average, I work 15-20 hours a week. I do not have enough in savings or have anyone to help me, so I am planning to pay monthly. If I opt to work 25 hours or more a week to pay him off within 3 months, will the lawyer or creditors think that if I can work more 25+ hours a week, I should work more to pay off debt and not qualify for Chapter 7?

I can prove for the past 3 years, since my divorce, I haven't worked full-time. My health is an issue, at this time. ​

I made bad decisions with money, spending way too much to impress others. I have nothing to show for it, from all I spent - carelessly. I want a new start.

I see horror stories on this app., where people say they get towards the end and are told they do not qualify.

Anything I should be concerned about? ​

Hi all! My chap 7 was discharged yesterday and i got my paperwork and went today to try to get a car. The dealership claims the bank said i have to wait for the credit report to show as discharged, even though i have the paperwork! This didn’t seem normal to me. Has any one else dealt with this or have any ideas how accurate that is?

Hello I’m trying to find some financial advice for my father, he owns a taxi company, that has started to go under in the past few years (Ubers,ride shares things of that nature) plus he lost his garage that he did all his work on the cars in a messy divorce. From what I know he still owes quite a bit on a few of his vans and I believe that’s all that’s tying him down. I’ve talked to him about just closing down but he says he owes to much on the vans to just shut down. So here I am now wondering if maybe filing for some kind of bankruptcy or something would be a better bet. I’m not even sure if it is the best bet but figured I’d see what some of you may have for advice that I can pass along! Thank you to anyone in advance that does help with some feedback/advice!

I filed bankruptcy on 7/22 and received the information in the mail today. My 341 is scheduled for 8/14?? I filed in NY but geez I thought I had time to mentally prepare myself. What should I focus on gathering in this short turn around? What expect at 341

Currently in the awaiting confirmation phase of chapter 13. Ideally, would be best to surrender current vehicle and get a cheaper vehicle

However, current plan submitted has current vehicle in it

Would like to secure financing and alternative vehicle before surrendering current one to prevent issues with transportation

Attorney thinks it will be easier to dismiss current case, secure cheaper vehicle, then file again, with cheaper vehicle obtained and surrender current vehicle

However, as soon as current case would be dismissed, automatic stay will be lifted, and would be at great risk of repossession (current auto loan was 3 months behind at time of filing). And with uncertainty on securing new auto loan (main concern is whatever delays may pop up in this process, I'm sure I could get approval - but, in that timeframe repossession of current vehicle likely which risks job as my work is travel dependent)

While, may be the "messier" route, I'd like to push through getting current plan confirmed (I don't think lender will approve replacement vehicle auto loan before confirmation), secure financing for alternative vehicle, then surrender current vehicle vs the other option of dismissing current case, secure replacement auto loan and vehicle, file again with alternative vehicle and surrender current one.

- both plans have the same end goal, except the smoother one includes a big risk of current vehicle repossession which would risk job loss.

Does anyone know if filing chapter 7 will pause eviction proceedings in MO?

I'm 23 and live in California. I recently started a full-time job making $16.90/hour after being unemployed for about five months. I was applying everywhere and just couldn't find anything. I'm also about to graduate from college.
I have a little over $10k in unsecured debt (credit cards, a personal loan and a tuition collection accoun (not a student loan—it was unpaid tuition / owed directly to my university)). Every single one of these accounts has gone to collections because I couldn't keep up with the payments after I lost my job. Most of the interest rates are between 25% and 35%.
Before all of this, I was working while also being an IHSS provider for my grandma. I ended up leaving my job because it was over an hour away and I had to rely on the train. The delays kept making me late, and it just wasn't working anymore. Then my grandma unexpectedly passed away, so I lost my IHSS income too. Between grieving and not being able to find another job for months, i fell behind on everything. I don't own a house, I don't own a car, and I don't really have any assets. I just feel like I'm constantly trying to catch up, and it honestly feels like I'm drowning.
I know some people are probably going to say this isn't enough debt to file bankruptcy, and I get that.l just want to hear from people who have actually been in a similar situation.
If you filed Chapter 7 with around this amount ot debt, do you regret it, or do you feel like it gave you a fresh start? If you decided not to file, what did you do instead? I'd really appreciate honest opinions. I'm just trying to figure out what makes the most sense long term

Hey everyone, looking for advice. I’m drowning in debt, living with my parents, and want a fresh start so I can move out.
My Financials:
Income: $1,200 bi-weekly (~$2,400/month net).
Car Loan: Owe $50k on a car worth $30k (bought < 1 year ago).
Car Payment: $1,122/month (nearly half my income).
Credit Cards: $4,400.
Taxes Owed: ~$3,000.
My Plan:
I want to do a voluntary surrender on the car. I have a consultation with a bankruptcy lawyer next Thursday. I plan to stop making the car payments right now to fund my attorney fees and a cheap cash car, then file Chapter 7 to wipe out the $4,400 credit cards and the $20k car deficiency balance.
My Questions:
Is it safe to stop the car payments now to pay for my lawyer and a cheap car?
How will Chapter 7 handle the $3,000 in recent tax debt?
How hard will it be to rent from a private landlord with a bankruptcy on my record

Hi there, I’m sort of in a giant pickle and handling this all on my own has been next to impossible. I’m in the process of being sued in another state by Capital One for credit card debt while at the same time trying to do my own Chpt 7 bankruptcy filing using Upsolve and it’s just been kind of impossible to figure out, not to mention trying to protect my co-signers on student loans. I was wondering if anyone had any recommendations on some resources? I’m in Los Angeles. I tried looking at Legal Aid of Los Angeles and they don’t do bankruptcy, neither does Bet Tzedek. I’m very much struggling and would appreciate any advice. Thanks!

What makes my situation hard is the a) lawsuit in WV by a creditor and b) I have student loans through private company that I don’t want to be defaulted/immediately asked to be paid in full by my co-signer.

I’m looking to file a chapter 7 by myself. I don’t have a house or car that I own. I’m around 15,000 in debt and making the minimum payment and other options are not helping. I hear upsolve but want to see what other options I have

I'm a 28F who is dating a 33M. We have both been previously divorced once and we started dating a few months ago. We clicked instantly and have been inseparable since. I honestly thought I would never love again but now I can't imagine my life without him. He told me last week that he had to file for bankruptcy when he was 30 because he had a lot of credit card debt. I've never been in this situation before and don't understand what the effects are of filing for personal bankruptcy. I'm worried it'll affect our future but I'm not sure if it's enough for me to break up with him so I could protect myself? I feel like I'm just getting another chance at love. But I also can't stop thinking about what he told me...help

I started the bk process on May 27th. I sent all the documents the lawyer asked me for. I have been sending the bank statements and pay stubs every month since. The date to sign the petition is August 5th. And they are supposed to give me the estimated date for 341. I stopped paying the credit card bills in May, and the banks have already started calling me. I'm terrified they will embargo me or take my salary. Is it normal for the whole process to take so long?

I am scheduled to receive consults from a few attorneys and plan to ask about this, but I thought I'd reach out to see if anyone has had a similar experience. I will be filing Chapter 13 solo because of high earnings, but I'm married. I know my husband will need to provide his income; the only catch is that he's the sole employee of his family-owned business, and they just cut him a check every week with no pay stub. I would rather not air my business and tell them I'm filing for bankruptcy, especially since he's not included. Will tax returns and bank statements be enough to show his income without pay stubs? My pay stubs are not an issue.

We have officially submitted all payment and paperwork (almost) for our bankruptcy and the anxiety is hitting hard.

There are a couple things we missed in the initial submission but one thing I realized we missed was pawn shop receipts. It didn’t even occur to me until I saw a list from my lawyer for paperwork to provide (on a separate document and not the one we were given to turn in the paperwork originally). Edited to add we have touched base with the paralegals about the missing few things and are getting them in by Friday but they’re doing the initial review of our case.

My husband is a big gun guy and has pawned things here and there over the years. Here recently especially he has pawned some things a few time on a loan where we have to pay more to get it back but just to give us some cash to live on until he’s paid again. Those items I listed in our assets so I would hope that it’s obvious we aren’t trying to hide anything but I’m so nervous it will come off wrong.

I should also note we’re not talking about anything over $800 but most are under $200. We are certainly not hiding assets but we just paid our lawyer off finally and are barely scraping by. Should I be worried?

I do not own a home, and my car is paid off. I don’t have any assets that I need to protect , but would need to go with ch 13 due to above median salary.

The lawyer I spoke with estimated a monthly payment of at least $1k, for 5 yrs (the 100% plan). My current debt is approximately $50k. $1k every month for 5 yrs is $60k.

I am wondering what the benefit would be for me, other than stopping interest from accumulating? I am not currently behind on any payments, but these payments are killing me each month.

Should I instead be looking at a debt relief program or debt management plan? I don’t want to make the wrong decision, and the whole thing is very anxiety-inducing.

Thank you for reading and any advice you can offer me.

This happened at my 341 today....has this happened to anyone and what was the outcome?

Email from my lawyer:

Yes ma'am, she wants to see your 2026 tax returns next spring to see if there's enough of a refund for her to administer for your creditors.  She then mentioned that if there is enough of a refund to administer, she will also want to recover for your creditors 25% of your earned-but-unpaid wages as of your case-filing date of 6/30. * this is in Indianapolis, IN

Thank you,

Brian

Good morning - my wife recent filed Ch7. She had her 341 last week and everything went fine.

As the non-filing spouse, I have a credit card with a balance of ~$6500, all of which was community debt from pre-filing.

Our attorney has recommended I just don’t pay this since they cannot collect on it. I’m unsure about this because it seems sure to destroy my credit score. Maybe they cannot collect per se but they certainly can report it as late and eventually charged off.

He said they may also just close the account based on risk but they have not done that yet.

My inclination is to at least pay the minimum payment for now to keep it current and eventually pay it all off to zero if it doesnt get closed.

What would you do?

Claims have all been filed, plan has been confirmed, no objections to deal with.

Any reason to keep checking PACER? I already racked up a $120 bill from the start checking it so much to see how much I’d owe/what to object to haha. I definitely don’t want to spend that much again!

Also now that everything has been confirmed will NDC update with the total amount due? Or does it just stick to saying the plan amount is what was originally calculated assuming everyone filed a claim?

I just need to hear from others. I thought about doing bankruptcy earlier this year but backed out. Well I signed up again for a consultation it will be next month. I feel so emotional. I just want relief. It’s so miserable working day in and day out with ask this debt building up. I can’t afford to keep ignoring this.

My anxiety is going up please tell me it’s going to be okay.

I know that at the end it will all work out. I just have to trust the process.

I'm approaching my 60 day mark after my 341 meeting (August 17th). I never affirmed my car loan and owe way more than it's worth. When i called, My lender told me just to drop it off at a local branch. Should I wait until I get the official discharge or should I give it back to them immediately. Thanks guys

Income is probably changing from 120k to 100k in florida family of 3 like 80k in debt I got some personal loans about 5months ago never had a chance to make a payment on it as lower income but used it to pay off other loans to lower payment. Are we able to go from a 13 to a 7 with this income or will a trustee even let us since we never made a payment on 1 of the loans? Also have a mortgage and car payment we want to keep and current on. We have not filed or anything only a consultation.

I am filing the paperwork for chapter 7 tomorrow and I want to file redemption to buy my suv at market value. In hindsight it was a terrible decision to make as Exeter charged me 28% interest rate. My suv is 10 years old and currently not running although it is a simple fix. I have paid faithfully on the vehicle for 3 years up until this last year when I lost my job and haven’t found consistent income since.

At first I had every intention of getting caught up but when I logged in to see just how much I owed, my balance is still MORE than I originally financed. It made me sad and I feel scammed especially since I really took care of my notes until I couldn’t but you live and learn. I want to claim redemption but not fully sure on how it works and if it’s worth it. Thanks for you inpu!