Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Documents Requested by Trustee- Help

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Documents Requested by Trustee- Help

    I filed pro se Chapter 7 last week, and just received notice of our 341 date as well as the documents requested by our trustee.

    I have a question regarding the 90 days of bank statements. Obviously, I did not hide anything on our schedules. However, looking through statements, I had a few questions/concerns that I hope are non-issues.

    My son has some special needs and we ended up putting him in private school this year after years of struggle. Obviously, we could not afford it given our circumstances. Next year, we have an IEP in place and it is out greatest hope that this will make a big difference. However, I realize how this could possibly look that we paid the school $2050 three months before filing, when we were not paying our creditors. Furthermore, a few weeks after making this payment, my in-laws gifted us $2000 to help us out with that tuition. We also cancelled a vacation booked from a year ago (thank goodness for insurance) and that money (3K) was deposited into our checking account as well. It does not put us over the means test, simply looks questionable to have a month that has $5000 of income more than prior months.

    My question is....should I contact the trustee and explain this- maybe via email? I would really like my in-laws to not be involved as they are unaware that we are filing, and hate the idea of them being questioned for gifting us funds, as well as do not want my children's school contacted, past or present. I also don't want to appear suspicious making a non-issue into a big issue. I just wanted suggestions on the matter. Thank you ALL! This process is stressful!!!


  • #2
    Do not send to the trustee anything other than what was asked for. Do not write an explanation for anpything except documents you cannot send.

    At the 341 the trustee will ask about anything he feels is amiss. Be prepared to answer every question then.

    There is no reason the trustee would talk with your in-laws or anyone else giving you a gift. There will be questions about the manner in which you spent the money. That tuition payment comes to mind. I read that trustees were even clawing back the tuition payments made for college for the kids. So..be prepared for the trustee to demand that money back...not from you...from the school. You may end up with that tuition payment being added to the creditor matrix and discharged.

    if you did not exempt this money, you may have to pay it to the trustee. If you have left over exemption that you can use...file an amended petition to include this additional money in the exemptions...if you can

    Comment


    • #3
      Geeznotwhat- I do have leftover exemption money. Do you suggest that I file the amended petition now regarding how I spent that money, or wait until 341 meeting and see if it becomes an issue?

      Comment


      • #4
        A bit different - but our kids go to private school. It is $600 a month for the fees. I put it on the BK application as one of our monthly expenses (you know where it gives you an allowance per child? - I put down the full allowance and then added the difference to expenses and said what it was). We were prepared to tell the trustee that we could pull the kids from the school to save money (but ironcally now that we aren't paying credit card debt and loans, we can actually afford it). Had the 341 meeting today - it was never referred to at all. I knew it might look iffy (iffier than the public schools in this area, LOL) - but I figured just be honest then deal with any questions.

        Comment

        Unconfigured Ad Widget

        Collapse
        Working...
        X