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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
Answers Showing 1 out of 1
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.

https://www.bklaw.com/bankruptcy-blog/2012/04/bankruptcy-discharge-without-attorney/

 

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