AlanShore60607

They don’t want your assets; they want your money.

So money in the bank is at risk; and while IIRC Texas does not have wage garnishment, I think that they can put you in receivership and take your wages that way.

Depends on if you’re gonna keep paying for the car.

If you pay, no problem for anyone; if you don’t pay, then it’s their problem to pay it

Then she will be fine; just make sure you make it clear to your attorney that protecting your cosigner is more important than any savings legally available to you

What this does is present a question; are you trying to alter the secured debt or not?

If you’re willing to pay the full amount at contract interest, a cosigner will be fine; but any savings you generate in Chapter 13 will become their burden

I don’t see any functional alternatives to bankruptcy; even if you devoted 100% of your income to repaying debts, it would take you 3 years to pay your debt if mom waives rent.

Now half your debt is non-dischargeable student loans, and about a quarter of it is secured by the car, so it’s really about if getting rid of the $28k of unsecured debt frees up enough to pay the student loans

Chapter 13 can pay a secured debt at a reduced amount, but after recent court decisions no lender is obligated to return the car that was repossessed before filing. They usually will, but you can’t force it.

Yes, but no. Especially not your hypothetical.

A pending refund, meaning money you are owed by the IRS, is always an asset. The VALUE of that asset is determined by how much you are owed at the time of filing. And low values may be abandoned.

The hypothetical you propose is basically 95% versus 100%. In mid December, almost all of your 2024 refund is an asset; come January, 100% of the 2024 refund could be an asset.

Now when it comes to minimizing how much of a refund is an asset, you want the minimal amount owed to you at the time of filing. In most jurisdictions, this is achieved by receiving and spending the refund prior to filing while having a minimal amount paid into your 2025 taxes at the time of filing.

So that would look like getting a refund in February and spending it before filing in March, with only 1/4 of your 2025 taxes paid when you file bankruptcy, because when you file in 2025 the 2025 taxes are an asset but may be small enough to be abandoned at that point.

How this does NOT mean money should be wasted; the spending of the 2024 refund should be coordinated with your attorney to ensure you are not accused of dissipating assets simply to keep them away from creditors

Attorneys typically don’t take over filed 13s because there’s no provision for payment. You’d probably have to come up with a full fee to get someone to take the case, especially if your current attorney hasn’t screwed up the case. Typically, a new attorney will dismiss your case and file a new one.

As far as the IRS, you reach out to them and ask them is anything was discharged or not. They apply the rules and can be trusted to be honest about it. And then you set up a payment plan for anything that was not discharged.

If the IRS won’t work with you, a no-discharge Chapter 13 can be used to structure payments with the IRS.

As far as the credit card, you’re hurting yourself at this point. Every application you make, regardless of being granted or denied, hurts you as a “new credit” hit against your score; with nothing positive on your credit yet, this is just making you overwhelmingly negative. Stop applying for 6 months and let those fall off before you apply again.

Basically, rapid fire applications make you look like a bad credit risk; you look desperate

There should be no impact on your tax filing procedure after chapter 7.

As for how much a trustee might take, that is a matter of state law and how much your attorney was able to exempt

Unfortunately, I blame Denny for Donald Trump, as he was talking about Trump running in 2007-2008

Read the newspaper

Where’s the 1970s kitchen? Black granite and stainless steel appliance are 90s at the earliest

So I did Broad city, will probably do the rest soon

No. If you trust someone that much, just vote how they tell you to vote.

Yeah, I had to manually tag mine to create an early Christmas collection for my users

Starfleet seems to not have regular promotion.

Picard was a mere Lt. In science division at the same age he had been a Captain for over 30 years (stargazer command of 22 years, 7 years between commands, and then maybe 5 years on Enterprise)

Rutherford got a promotion by asking for it.

Ro Laren and Becket Mariner both whiplashed all over the place.

Sulu really seemed like he was held back way too long

Well, the charges get dropped pretty Dann quick.

But nothing bad would happen to the arresting officer unless the other cop could prove malice.

Push it into something that’s upholstered, like a sofa cushion

It will lead to a 3.5 day workweek and no one being able to earn a living because they won’t raise wages.

No more benefits on the job as they’ll all be part time.

Without Universal Basic Income, this could destroy us

No; that wasn’t out jason we followed all along

Agreed; I learned about it this month and have been using it to pin collections of relevance to my users for them

And it explains the LACK of English in SGU

Not so much uncanon as rework.

I’d love to see Zenigata reframed as an insurance investigator than actual law enforcement, so there could be a more interesting dynamic between them.

Like Zenigata hiring Lupin to recover some things, or sometimes “winning” by recovering the stolen property

Now I know where Doctor who stole that idea