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Lets say you have a good paying job but also have a lot of debt and the interest rate on the debts keeps your from getting anywhere on your repayments. What if I told you that you could refinance your … Continue reading →

In Hawaii, Chapter 13 plans are what known as “pot plans”. This means Chapter 13 Debtor promises to pay a certain amount of money over the plan duration. This contrasts with a “percentage plan” where the Debtor promises to pay … Continue reading →

For 2011, the US Bankruptcy Court has released their statistic for Chapter 13 Plan completion. According to their statistics, for the State of Hawaii year ending December 31, 2011, there were a total of 327 chapter 13 cases closed (this … Continue reading →

Fresh from the 9th Circuit (which is binding on Hawaii Bankruptcy Court) comes the In Re Welsh opinion. This case settles the question if Social Security income can be required to be paid into a Chapter 13 plan, establishing that … Continue reading →

Chapter 13 Debt limits are going up again. This can be helpful for those people whose are close to the debt limits who don’t want to file Chapter 11. New limits are $383,175 for unsecured debts and $1,149,525 for secured … Continue reading →

Recently, a bankruptcy judge in Boston ruled that 11 USC 1322(b)(5) can be used for student loans that mature beyond the end of the Chapter 13 plan. This particular Code section is what Chapter 13 Debtors use to cure mortgage … Continue reading →

You’ve filed your case and your attorney told you the amount of your plan payment. So how do you make the payment? One way is by wage assignment. If you are a regular payroll employee, the Court can issue an … Continue reading →

If your situation has changed since you filed your bankruptcy, the bankruptcy code does allow you to switch between different chapters. The most common situation is converting from Chapter 13 to Chapter 7. If you lost income after filing or … Continue reading →

From this year’s Olympics, you may remember Gabby Douglas. She is on the US team in gymnastics and won two gold medals. It turns out her mother filed Chapter 13 bankruptcy earlier this year. A single mother of four, she … Continue reading →

If you were involved in a car accident and didn’t have insurance, often the other person’s insurance company will try to have your driver’s license suspended. Usually, you can only get back your license by paying the judgment to the … Continue reading →