Hello, I am new here, but I have been reading alot of posts....great list!
I received my chapter 7 discharge papers 5/10/05(creditor meeting was 2/25/05).
Question #1
On the papers it states to the effect that this discharge does not indicate the trustee will or will not be paying any creditors. At the creditor meeting I provided comps on my house, thus showing I dident feel he could sell and make $$ over what i would walk away with under my asset cap if he were to sell. He told me that he will be "sending someone out, and you are to be helpfull should they need anything."...well...no one ever came out that I know of?..So I am a little gun shy about being happy dude. I stopped paying my morgage (Risky I know)after the creditor meeting but I have saved it...morgage company will forclose if it is not paid by may 22. So I am kinda in a catch 22 now.
Question #2
If my income changes (even with the discharge papers) for the better...are the chances great that they will try and come after future earnings OR FORCE A CHAPT 13 if they can, or worst dismiss and unleash the beasts to garnish and pillage me. I have been offered a new job that will increase my income 30% and provide better medical, life insurance, long and short term dissability but have not taken it(but i really need to for the sake of my wife and kids)
Question #3
I did not file my taxes last year or this year...but after reading alot of the posts, I worry that I could get in trouble with the trustee for not claiming them as an asset. (still waiting to see if they are indeed an asset). Strangely I received a letter from the IRS the same day as I received the discharge papers...reminding me that i have not filed...If I am going to receive $$ should I file a paper to the court or wait and see if its questioned? I honestly thought I owed for last year, but dident think about what if I did get money back when I filed.
Any comments/suggestions would be very helpfull...
Steve(Tired 36 year old, recovering from heart attack Sep 13/04)
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