What do you guys think?

[Crazy]

We have like 10 Credit Cards...but they have pretty much been maxed out for a year now...so the only available credit is never anymore than $50...we have used several of them in the past 60 days for small purchases..generally at the gas station or grocery store..or online credit reports. All less the $50 per transaction...do you think that will be a problem and cause an objection? We have been paying the minimum on all cards, until we filed. Should we keep paying them if at all possible..or just stop now that we have filed???

Also the rest of the debt we are trying to discharge is medical bills or really really old debt from either a credit card or department store card..all over 5 or 6 years old.

We have 2 vehicles...1 trailer...all wrapped up in one loan..that our bank is re-affirming with us...so we don't loose our property...

Other than the above mentioned we owe a vender...27,000 for printing aquired in August..for our business...which is not bringing in much income now..and we are pretty much out of business..

Also when we filed our chapter 7...we listed in our expenses, our credit card payments each month and from reading these boards find that to be wrong. We also way under estimated our regular monthly expense...like electricity and stuff...what can we do about that?

Does this sounds like a RUN OF THE MILL...Chapter 7? OR should I brace for problems?

[accentone]

First of all, if you already filed, STOP paying on your cards. As my lawyer said, it's just like putting your money in a big hole. Don't do it. As long as your purchases were for necessities on the card, and not luxuries, you should be okay. I'm not sure about how to change the expenses if you already filed. I think you can do an amendment, but I think it costs.

Good luck.

[freshstarter]

I amended some of my schedules with no fee. If you amend the creditors though, there is a fee.

[StaciMM]

You should file an amendment, if there is a cost it will be minimal when you consider NOT amending could get you into a ch. 13. (If you're counting credit card payments in your budget, the trustee can say that is $$ that you can use to repay your creditors. Updating your expenses to be more realistic after the trustee complains may be too late.)

[Crazy]

Bump

[Minnymouth]

If you are filing pro se you NEED to go back and look over your paperwork and MAKE SURE ITS RIGHT. You don't want to get it all dismissed after you hard efforts.

If you are unsure of what you are doing, ask questions, or consult and attorney.

Just a thought,

Minny

[FilingOnMyOwn]

If you used credit in the past 3 months you may be required to pay it back, regardless if it was just a few dollars that you revolved back out of a payment you made into it. So you obviously wouldn't owe much and I doubt the creditors would even pursue repayment, sounds like they are smaller cards that you used like only a couple grand credit limit each maybe? Like Minny says, just make sure everything is accurate, and a slight underestimation in electricity bill shouldn't raise a red flag because everyone in the country is facing double digit percentage rises in utilities this season. As long as you don't make a tremendous amount more than what you pay out, I doubt you would have much problem dismissing all the old debts that you stated as your primary concern.