You won't make it until March if you file your BK without an attorney ... the case will be dismissed two weeks after you file. FYI, you don't file...

No, they don't have to accept your less-than-minimum payments ... and just because they do doesn't mean they won't sue you for breaching your...

Occupancy and BK cramdowns

Probably not. I believe most courts look at the character of the property at the time the lender made the loan.

How long do we have to reach a settlement to close a Chapter 13 5-year plan ?

The short answer is "yes" ... the debtor can always dismiss his Ch13 - but he won't receive a discharge of any unpaid debts if he does not complete...

If your Plan does not provide for a secured creditor, then that creditor has NOT been included in the BK and you will not receive a discharge of...

No - you cannot ... especially 16 years later.

Is there a statue of limitations on this bill?

The 4-yr statute of limitations prevents them from suing you for the debt; but it can remain on your credit report for 7 years.

Can the Petition for Heggstad be file more than once

Chapter 13 bankruptcy is not the correct practice area ... I will change it for you.

I expect that they would be dischargeable since they are not taxes.

Owing local income taxes during a chapter 13.?

You can file a claim on behalf of the local taxing agency (if they won't file one themselves) and pay the taxes through your Plan.