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I'm filing bk 13. All morgage and student loan current. One car under a title loan rest of the debt is unsecured

1 Answers. Asked on Feb 14th, 2017 on Bankruptcy - California
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I know I have to pay 100% back. What if my disposable income is is higher than the actual payments to my unsecured creditor. At the time of filing should the lower payment,that pays 100% back to unsecured creditors and the car under title loan. Be present to the trustee. Thank
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Answered on Feb 15th, 2017 at 11:00 AM

You don't have to pay back more than 100% if that's what you're asking.  You must factor in Trustee's fees and ultimately the filed claims will control the total amount you must repay.

If you're trying to do a Chapter 13  without an attorney, you should know that based on a study by the bankruptcy courts, there is a less than 1% success rate for debtors filing Chapter 13 without representation.


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If you're struggling to pay off your delinquent debts and getting hounded by collection agencies, then it's time to address your financial problems. And filing for personal bankruptcy may be the ideal solution. Whether you're an individual or married couple considering Chapter 7 or Chapter 13 bankruptcy, or a business considering a Chapter 11 reorganization, or a farmer considering Chapter 12, you need the advice and guidance of an experienced bankruptcy attorney. Your lawyer can help determine which form of bankruptcy is right for you, prepare and file all of the paperwork, and advise you throughout the bankruptcy process.
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