We took out a small loan ($225) from DH employer to help us with purchasing a fridge. Ours went out, we had to replace it. We had some money left from our stimulus. We really couldn't figure out any other way to get a fridge.
Now here's the question. We repayed this loan with payments taken directly from DH check each week ($25), we are reaching the end of the payments. Matter of fact the last payment is this week. So will this be a problem that we made preferential payments to a creditor? We would have been making $100 payments a month for 2 months which is reflected in DH paystub. We want to file, but is there a waiting period so this doesn't cause any red flags or is this such a small amount it won't be questioned.
I know a fridge is a necessity do you think the trustee will think this was ok? I have my receipt which would show the date close to the beginning of the loan. We would like to get this BK started and file, but don't want any problems. We are a C7 with strictly cc debt. We fall way below median income and our paralegal when she did our means test felt we had no issues.
Thanks!
Now here's the question. We repayed this loan with payments taken directly from DH check each week ($25), we are reaching the end of the payments. Matter of fact the last payment is this week. So will this be a problem that we made preferential payments to a creditor? We would have been making $100 payments a month for 2 months which is reflected in DH paystub. We want to file, but is there a waiting period so this doesn't cause any red flags or is this such a small amount it won't be questioned.
I know a fridge is a necessity do you think the trustee will think this was ok? I have my receipt which would show the date close to the beginning of the loan. We would like to get this BK started and file, but don't want any problems. We are a C7 with strictly cc debt. We fall way below median income and our paralegal when she did our means test felt we had no issues.
Thanks!
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