My question involves bankruptcy in the state of: Texas
Taking a vacation day tomorrow to go file my Chapter 13. I have a 100% payout plan and I had a few questions that hopefully someone has some experience with.
1. 2 of my filed accounts are shared with my spouse, who didn't file. Will her credit bureau show bankruptcy filed? Will the cards show as delinquent on her file? Will this keep her from being able to get a mortgage in the future?
2. I had several payday loans (which was the absolute worst thing I did during these rough 2 years after the terrible medical issues I went thru). Do any of you guys know if payday loan companies file a claim? I know that each of them got more than I borrowed from them before I stopped paying and was really hoping that they do not file a claim to get paid even more.
3. There are 2 credit cards that I stopped paying about 6 months ago and each are charged off. Can companies who have already charged off accounts file a claim?
4. When I file my 2014 taxes after the new year, if I owe a large amount, will or can the trustee roll that into the plan? My 100% payout plan is leaving me $85 each month to put away.
5. I have read so many threads about creditors not filing claims....is this to be expected or is it kind of the luck of the draw?
I really hope that all of the creditors get 100% of what I owed! EXCEPT for the payday loans...they already got way more than I borrowed.
I feel much better knowing that after tomorrow morning, there is an official plan to get my life back in order, even though the battle I just ended a few months ago was much more intense.
thanks for any information you guys may have.

