Household Income / No Asset Case Question

[Pinkie86]

Wouldn't you know it, it's after hours and I have questions! I tried doing some searches but didn't find quite what I was looking for.

I'm probably worrying needlessly about this, but I'm concerned about objections due to my income being different from when I applied for credit. I didn't even start thinking about this until this weekend, now that my filing is next week.

All of the cards I applied and got credit for were from when my fiance was still working, granted they were all applied for 1-3 years ago before he had his back injury. Due to him losing his job, it took a big chunk out of our household income, I'm worried about them objecting.

We live above my parents in a mock-duplex (I'm a NOW broke 21 year old college student), and I don't actually own anything of value - I'm a no asset case and our car is in my fiance's name.

Do you guys think I have anything I need to worry about?

Thank you!
-Little Miss Nerve-Wracked

[BnkrptcyLwyr]

Wouldn't you know it, it's after hours and I have questions! I tried doing some searches but didn't find quite what I was looking for.

I'm probably worrying needlessly about this, but I'm concerned about objections due to my income being different from when I applied for credit. I didn't even start thinking about this until this weekend, now that my filing is next week.

All of the cards I applied and got credit for were from when my fiance was still working, granted they were all applied for 1-3 years ago before he had his back injury. Due to him losing his job, it took a big chunk out of our household income, I'm worried about them objecting.

We live above my parents in a mock-duplex (I'm a NOW broke 21 year old college student), and I don't actually own anything of value - I'm a no asset case and our car is in my fiance's name.

Do you guys think I have anything I need to worry about?

Thank you!
-Little Miss Nerve-Wracked

Sounds like an open-and-shut case.

A couple of things that may cause problems (if any of these happened)

• Taking out cash advances from credit cards shortly before filing.
  
• Running up credit cards right before filing with "luxury" items.
  
• Transferring assets to others to avoid having them as your asset.

You get the gist of it.

[Pinkie86]

Phew!

*taking a big sigh of relief*

Sounds like I'm in the clear, then. Thanks a bunch!