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Chrysalis
Chrysalis
Registered User
Last Activity: Today, 04:50 PM
Joined: 09-27-2016
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  • Only the accounts where you have a balance will be included on the list. Kohl's had a zero balance for us as well, and it has stayed open and we have been able to use it.
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  • Chrysalis
    replied to Filing chapter 7
    I don't have any experience with school loans, but at one point during our bankruptcy I was considering that I may have to do one. What I found out is that you cannot get a federal student loan until after you have your discharge. Does that help? I'm sorry, i'm not sure what your exact question is...
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  • Chrysalis
    replied to Filing chapter 7
    Just to help ease some of your fears, they are not likely to take anything you own and try to sell it. You really need to look at the bankruptcy laws for your state and get familiar with them. You also need to start going for free consultations with bankruptcy attorneys. They will have the answers...
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  • Chrysalis
    replied to Can I file?
    ^ agreed. That's what I was thinking also, you have $15,000 spread out among many cards while some people have that much just on one card.
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  • If you really want to see how expenses are divided, google bankruptcy schedule J. That will show you what the categories are. As far as the amounts that are allowed in those categories, your attorney should have a VERY good idea of what flies & what doesn't. Justbroke provided me with some great...
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  • You need to understand that they do not take your gross pay every two weeks times 26. My husband is paid biweekly also. That means in some months, he receives three paychecks. You have to look at -- because they will look at -- what your gross pay actually was for those six months prior. This may sound...
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  • That's correct, they will look at your income from the last six calendar months, not including the month you file in. That will be multiplied by two to figure out a yearly number, so it doesn't matter what you tell them you make per year if the numbers say otherwise. You want to have those six months...
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  • Chrysalis
    replied to Tax refund and needed repairs
    Have you discussed this tax refund with your attorney? If you get it before filing, you can spend it on necessities.

    Regarding a refund received in 2019, they would possibly (likely) ask for half of it if you filed halfway through 2018.
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  • Each state has their own rules about how much cash you can have at the time of filing. You definitely want to find out that number from your attorney or look it up in the bankruptcy laws for your state. In Indiana, we were only allowed to have $800 between the two of us and that counted everything available...
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  • Chrysalis
    replied to Guilt and stress
    I hear you. Nice post. I think what helped me get over the guilt pretty quickly is that I could feel the stress this was putting on our family every day, it was palpable. Then I picture which person at any of these banks would be losing sleep over my bankruptcy. No one. Not one single person probably...
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  • Chrysalis
    replied to Trying to help my dad
    YEP. ...
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  • It is never too soon to talk to bk attorneys. When you have reached the point of thinking the word "bk" on a regular basis & posting on forums, it's time to become educated and therefore, empowered. You have choices & options. The right thing to do is to know what they are. Have...
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  • Chrysalis
    replied to Should I let this go?
    Well, sophieanne, now we are like $21 richer. Lol. It's not a huge deal -- I just thought it was interesting that they would discharge a debt when they had absolutely no legal obligation to do so. Why not take your chances and see if we paid the remaining balance? Like I said, we had already sent...
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  • Chrysalis
    replied to Should I let this go?
    This is unrelated -- but worth sharing another experience here.

    Just got a notice from creditwise that there has been an important change on my husband's report.

    His JCPenney card (Synchrony) -- which he has had for 14 years -- had zero balance at the time of filing in July...
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  • Chrysalis
    replied to Should I let this go?
    Well, it's been a month & still doesn't look any different on creditwise. I will update if it's ever actually corrected....
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  • Chrysalis
    replied to No loans after discharge?
    sophieanne, I was thinking the same thing when I read this earlier. We have a $2500 Target MC at ~15% interest that seems to have survived the bk entirely, and I get unsecured offers in the mail from Capital One almost every day. YMMV, of course, and OP, I can't say what would happen if you get denied...
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  • Chrysalis
    replied to Letter from BK court
    Only creditors who file a proof of claim will receive a portion of your tax refund. They will divide it up evenly and disperse that amount to those who filed a claim.
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  • Chrysalis
    replied to Fee Waiver Denied?
    Des is a bk attorney. I have nothing of value to add. Although I agree this is a bizarre conversation....
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  • Sure, you can move money from one place to another. The key is to have it all accounted for and not a large chunk "disappearing". I'm sure they see people switching banks all the time for this very reason. (filing bk)

    Try not to stress out about it too much. You aren't even...
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  • As far as what to do about your second car: You have informed the dealership that you are going to file bk, is that what you mean? And they are supposed to be letting you know your options?

    Legally, there is really no concern. People switch things around with their vehicles before filing,...
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