chapter 13 & refund
Posted By: Patti on 2006-01-13
In Reply to: thank you,, see mes - help!!
I am told that you have to send a copy to your Chapter 13 Trustee every year for three years. If you get a refund they will hold it -- which I think is fair and I have no problem them doing it as I want to pay off what I can to the creditors. You can get back part of the refund if you owe state or city taxes. Your friends did something wrong and fradulent. I have not heard of one who got back their entire refund but I don't know everyone. But my attorney definitely told me that for three years if I have anything coming, I will not get it. I work both as an employee and have my business. I just estimate and don't overwithold.
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Chapter 13 here
I did a Chapter 13 right before the new laws came into effect and though I could have qualifed for a Chapter 7 I feel better about myself paying something back to everyone. A few things to look out for about credit counseling as I tried this prior to the bankruptcy. This was due to an ugly divorce and my ex had a rich Mommy who paid his attorney bills and cost me 14K plus but I was able to keep the house. (yes he had the new life and the girlfriend, I had the bills). Anyway, credit counseling was going to cost between $75 to $300 for them to manage my money and pay my bills. I did the lower one for a while but some of my creditors would NOT work with them. Also remember if a credit card company decides to give you a discount if you pay the balance, the amount that they write off has to be declared as income. Say you owe $7,000 to a company and they say if you pay us $5,000 -- then $2K of that is consider income to YOU at tax time. I pay the courts $300 a month and for 36 months. It was not easy but like I said I have my home, my business and have found that you can live without credit, save for a car or large purchase and save. So to me that was the answer. I can still hold me head up as they are getting something. So talk to a good attorney and he will advise you. The good thing about this is that you can't live off your credit cards and it does get you back to budget and cash that hopefully after doing for 3 years you will just continue with it. I was told once by a banker that the bankruptcy looks better on your credit report that late payments or credit counseling but who knows for sure. Nowadays you might have to pay a few perentage points higher for a loan but you can get it if you want it.
Take care good luck.
chapter 13
I've checked the archives on this, and have received a lot of helpful information, but I'm interested in learning more. How hard is it to qualify for this? I'm sure I would qualify, but I would like things to start happening now...not 6 months down the road. Are lawyer fees owed up front? Who do I talk to about this?
A little history...I worked full time for a local ortho office, and decided to work part time from home. I had 2 small children, but my husband is home most evenings, so working a few hours a day wasn't a big deal. Well, we unexpectedly got pregnant about a year ago, and we now have added expenses with the new baby, as well as the fact that I don't have as much free time to type. I'm trying to sell our car right now, but so far there are no bites (it's an SUV, and with gas prices people aren't wanting to buy them anymore). Anyway, I talked with a credit counseling agent a few weeks ago, and have made my first payment. However, I am getting calls from creditors saying that I have payments overdue, and when I told them that we are going through a credit counseling agency, they said that they denied the proposal, and I have to make the payment.
I'm at my wit's end, and literally don't know what to do. We own a small (1100 sq. ft) 3 bedroom ranch, and would really like to keep it if possible. I can't work full time with 3 kids, because all my money would just go to childcare.
Any advice would really help me at this point! Thanks!
chapter 13
I filed a Chapter 13 1 1/2 years go. I pay the courts $300 per month to pay my creditors which included past due house and taxes. To me it was worth it as I am repaying something rather than nothing and there was no question about keeping my house. In Chapter 7 you can only have so much equity, etc. Although I did qualify for that, it was close and after a long, ugly divorce I did not have to "prove it again" if you know what I mean. I did have to pay for filing fees up front, around $500 I think but the rest of the attorney fee is rolled into the monthly amount. Again, to me I feel better repaying something rather than nothing. E-mail me with specific questions if you want. Patti
Chapter 13 vs 7
The reason that I went Chapter 13 was because I was told that you could not include taxes in a Chapter 7 unless they were 7 to 10 years old. Was told that child support, education loans and taxes were very hard to include (if not impossible) in a bankruptcy. I had no trouble with them when I did my Chapter 13 but I only owed for one year, filed in February and owed for the year previously. You need to get out your BK papers and see if the IRS was listed and included, talk with your attorney that is what you paid him for and go from there. Good luck.
Patti
I did Chapter 7 a year ago and I do not regret my decision..sm
I was in huge credit card debt and medical debt and after paying just the interest for years I decided bankruptcy was the best option. I have since cleaned up my credit, payed my bills on time, and bought a new car. I have no credit cards and no stress!! Sometimes bankruptcy is the best option. When people tell you that banktruptcy will ruin you and you will never get a house, car, loan, etc., it's not true! Sure your interest rate will be high for a while, but life does go on!
We couldn't keep up interest & attendance to keep the chapter going. This was years ago. nm
s
recommend the newbie MT join AAMT online chapter and suck the SM
dickens out of their "We Ment Well" (play on We Mentor Well) forum, to which non-newbies are excluded, and for which there is a plethora of talented folks of all types of persuasions more than willing to help.
If resale doesn't work, consider your local Freecycle chapter to give the
s
Refund
By law, the landlord has to have receipts and proof of their work and that the work was justified. If you feel you have been taken by your property management company, call your local Department of Professional Regulation (they monitor licensed real estate brokers and agents, among other professions) and tell them what your problem is. They can mediate in a situation like this and they will also ensure that the licensed real estate professional is acting in a legal and professional manner in handling your deposit. These types of disputes are VERY serious to this organization. Mishandling of tenant's deposits can get an agent or broker's license suspended or revoked. It's definitely worth checking out. Good luck to you!
Tax refund
My federal tax refund came within 7-10 days and my state came about 3 weeks later.
I don't want an exchange, I want a refund.
I'm not stupid and know how to configure the foot pedal. Even though I had done everything to get it to work, I still followed the directions of your company and it still would not work. I find it funny that one pedal doesn't work and one does, at least temporarily, and yet it is "my issue" and not yours. I have every e-mail and not once was it mentioned it was a software or computer issue. I've even had my IT guy work with it and he said it just isn't compatible, that there is a switch issue in the pedal most likely.
I'm through with this. I'll file my complaints as stated above, but I have better things to do with my time than to continue this. I stand by everything I have said.
1 cent refund
that is absolutely unbelievable -- they are totally out of it!! i would definitely be calling and asking what were they thinking?
Can you get a refund on your family??? LOL
Come to Texas!! Just the two of us (me and my roomie) and the pups, turkey, football, no rugrats this year (we're doing family Christmas tomorrow).
Seriously, sharing the Word is one thing, condemning others is God's place not a humans. Tell him you're engaged! Then, break the "engagement" the day AFTER Christmas LOLOL.
CH 13 bankruptcy & tax refund? anyone know? sm
Do you get back ANY of your tax refund? Who asks how much you got? and then what?
Rapid Refund
Has anyone tried any online rapid refund tax services.....
So obviously anyone entitled to a refund....sm
then will be eligible for this? I also know people who don't pay a dime all year and then end up getting a refund at the end of the year because of the earned income credit, etc. So those people will definitely get this, correct?
Tax break, tax refund
Yes, Bush is waiting on Congress to pass his emergency tactic to keep the economy from nose diving. He says this will stimulate the economy by us spending it. I say, it's another Bush tactic to try and stave off a recession while he is turning out his last days in office. I say, it is ridiculous. Take care of the infrastructure, the middle class, strength education, jobs, job retraining for older adults, etc., etc., etc.
quesion on tax refund
for those of you that filed early how long did it take for you to receive your tax refund check in your direct deposit account? Thanks! Trying to estimate when I can expect mine.
Are the people who are talking about a refund only the ones on DQS? (nm)
pathetic refund back to CEO
you go girl!! tell him you want your postage reimbursed - haha!!
Tax refund is NOT abusing welfare. If you
x
Anyone efile with H&R? How long before you got your refund?
I efiled with direct deposit and am just wondering how long I'm gonna have to wait... the kiddies are hungry and the paycheck isn't cutting it. 
They WILL refund your money as long as you complain
loud and long enough. I did and I got a refund. I turned around and plunked that money on the Career Step course and have been transcribing for 11 years since then. Good luck to you!
Get a refund? Check details of your auction
Hopefully your auction included the potenitality of a refund (buyer may or may not have known of a defect) and there is often a buyer's protection offered for items of this amount. Check out those possibilities quickly as you don't have unlimited time to make a claim.
I would unplug the C-phone and then unseat and re-seat all connectors. Make sure you have the connectors in the right way, and also of course check that volume control :) !
good luck.
I did it that way and had my refund in 5 days deposited into my account. sm
Your information is never truly safe from anyone; however, I think giving it to the government might be safer than not.
I have no qualms doing it.
My refund was for 2 cents. I am sending it back along with a letter to the CEO
and ask them why per contract I did not get the raise promised me in 90 days. I no longer work for them, but hey, I am not going to let this opportunity slip by.
It makes no sense to spend more money than the check was to get it to you and for a company to be that wasteful, you wonder what is in the back of their mind. For both you and me, good thing we did not go run and try to spend it in one place!
Something stinks there!
Yes, write some letters to the Dell people....if you make some noise you will get your refund.
and mail/fax whatever-- get their attention....don't be outright nasty but you can get pissy a little. It will work and you will get your money back.
How long by mail did it take to get your IRS refund check after a mail out date was given when you c
;
Aw come one give her a break. She said she was sorry and is willing to refund. Give her a chance to
do what is right. If she fails to do what is right, then go about this in an adult way and not act like such a child. "you suck" That is so immature.
She is responding to you and you are eating her alive. Why would she put herself out there to be treated like this if she didnt mean it.
I am really astonished at how people can act on here. Would you treat people like this in person? If you do, I cant imagine you having very many friends.
Remember we are all "HUMAN."
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