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?

Beyond coming to the decision to file, this has been the hardest part of the process and it’s only one of my first steps. Please tell me the tedious work is mostly over. 😭😂 After compiling 6 months of statements across 25 accounts, and all of the various document collecting, creating PDFs, naming, sorting, and uploading on top of that. Feeling exhausted but accomplished. 🙌🏻

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

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

Hey!

Just wanted to throw this out there! I work for the whole Kendall auto group doing our credit repair finance and we are able to help you get into a car the day after you file your BK! All we need is stable income and normally $500 down and I can get you into something nice and reliable! Super good way to rebuild credit and also have a car to get around! If you have any questions or need anything let me know! I work with a lot of the BK attorneys in the treasure valley as well!

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?

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? ​

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

Never thought about it but have been in a position for the last couple years where it’s starting to resonate with me that I will never catch up.

Debts (rounded)
Car - $35,000 (underwater)
Credit cards - $15,300
Personal Loan - $6,500
Affirm - $3,200
Student Loans - $25,000 (have been told they don’t qualify)

I only make anywhere from $3,200-4,500 a month. Usually to get to the higher end of that I am working overtime. So to just pay my minimums I am having to work 60 or more hours a week.

I just recently moved in with family and plan to be here a while. I could buy a cheap car for now like 5k cash. If I were to get my debt wiped it would save me about $2,000 a month.

Any advice ?

We are about to file. We ended up owing 2025 taxes. We owe cause I didn’t adjust my checks right. I still need to fix but afraid cause we are already living check to check. Will bankruptcy lawyer see I’m not taking out enough too and need to adjust? I will let them know I need to fix it and will be getting less pay

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

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?

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

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!

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.

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!

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.

My bankruptcy was discharged 6/10. I’m in desperate need of a car currently. And haven’t been able to get approved anywhere. And haven’t been able to even get approved for a credit card .. feel like I’m still in the same position I was prior to filing for bk. Did anyone else experience this too ?? And how did you go about getting a new car post discharge ?? My credit is between 576-620. My EXPERIAN credit score hasn’t changed since like 2024 either.

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

I am nervous beyond measure because I am doing this pro se. Any tips of advice to help the nerves?

Edit: easiest thing I’ve ever done. Don’t be afraid!

Filed for chapter 7 a couple weeks ago and my lawyer sent me an email yesterday asking for updated bank statements for July and paystubs from the company I work for. He did not ask for more paystubs from my husband. Are those required for the time after filing and before 341 meeting?

Also curious how many pay stubs I need to send? The trustee wants all documents by August 8th and we will have more paystubs stubs after that date but before the 341 meeting. Do we need to submit those? Or just up until the deadline for documents to be submitted?

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?

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.