Berggruen Holdings invests across a wide range of industries, continents and asset classes, including direct private equity, real estate, alternative energy, financial instruments and basic industry startups.
Therefore, unsecured creditors usually receive pro-rata payments, only if they file claims. As you can see, the longer you wait, i. Therefore, the best time to file a chapter 13 is before a foreclosure starts.
Plans may not exceed 60 months. Some creditors may include interest over the life of the plan. This may also increase the amount you are paying.
Interest over the life of the plan is sometimes allowed if there is sufficient equity in the property i. If you are not curing mortgage or vehicle payment arrears, then your payment is governed by several rules: Click here for the Bankruptcy Code on the subject.
Also, the payment may not propose to pay less than the unsecured creditors would get if the debtor filed a Chapter 7. This means what they creditors would receive after you took your bankruptcy exemptions. Generally, unless otherwise provided for by the plan speak to your attorney about thisyou payments are due 30 days after you filing date.
They are generally payable every month at that time. All payments are payable by money order or certified funds only. No personal checks are ever accepted.
You, not your attorney, are responsible to keep track of your payments. It is suggested that you keep a careful record of your payments, in case of a dispute.
Always retain the money order receipt, or other proof of payment. This office has prepared a form that you can use to keep track of the payments. Get our payment record form here.
It is suggested that you attach your receipts directly to this form as you make them. Feel free to copy this form as much as you wish. I do not have a job. Can I file Chapter 13? Generally, any individual with a regular income can file a chapter A regular income can come from social security, SSI, SSDI, private disability insurance, retirement income, government assistance welfareor any source of regular and dependable income.
Some courts even allow assistance from relatives to be counted. Check with your local counsel to determine the rule in your district. What if my mortgage company or other creditor overcharges me?
Do I have to accept what they say? Just because you filed a bankruptcy, your creditors, and even and especially, your mortgage and car finance companies do not have the right to double charge, overcharge or charge without a reasonable explanation an sum amount in their proof of claim.
A "proof of claim" is the document filed by a creditor stating what they believe you owe. It is not infallible.
As a matter of fact, it is very often wrong. Mortgage companies are notorious for adding unwarranted additional charges for all kinds of things, e. Think this is just pocket charge? You pay it in the claim, and then the mortgagee gets it again!
Fortunately, there is a way to handle any objection to any amount claimed from the debtor in bankruptcy. It is called an Objection to Proof of Claim and it can be filed for any claim. We handle many of these every week.
They almost always yield favorable results. This was accomplished even without the debtor taking the witness stand.Business breakdown cover for your commercial fleet including specialist vehicle cover, pay as you go truck assistance and minibus cover.
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