Announcement

Collapse
No announcement yet.

User Profile

Collapse

Profile Sidebar

Collapse
Profile Picture
Nodebtrenton
Registered User
Last Activity: Today, 07:44 AM
Joined: 01-25-2018
  • Filter
  • Time
  • Show
  • Source
Clear All
new posts

  • It will be for your benefit if the IRS just keeps the refund. Because if you get the refund you're just gonna give it to the trustee who will then give 75% of it to the IRS and keep the rest for himself for all his trouble. So you'd only be out that 25 percent unless you have other priority debts like...
    See more | Go to post

    Leave a comment:


  • Nodebtrenton
    replied to How long before they sue me?
    If you're only 30 days late then you probably have at worst six months before the lawsuits hit based on other reports. I was three months behind myself when i filed and no debts changed hands and no lawsuits were filed. you can buy yourself time once you hire an attorney. Then you can ask all communications...
    See more | Go to post

    Leave a comment:


  • Nodebtrenton
    replied to Filed 7 on April 12 2018 (Pro-se)
    I should also add most creditors won't even contact you to acknowledge your filing to limit their legal exposure. Of course if you have other accounts like a checking account that had a positive balance on day of filing that should still be supported and you should still receicd communications from...
    See more | Go to post

    Leave a comment:


  • Nodebtrenton
    replied to Filed 7 on April 12 2018 (Pro-se)
    Capital one will do that. I had them .it's okay that they haven't reported yet. Most report right away but I'm guessing capital one waits a while before they close the account. I'm guessing that's so they have time to review the accounts before they close .not that it affects their rights if they don't....
    See more | Go to post

    Leave a comment:


  • It depends on your states exemption laws and when you worked. For example if you filed bankruptcy on 4/8 and your pay period is between 4/1 and 4/15 it would be safe to assume that the portion between 4/1 and 4/8 would be part of the bankruptcy estate. So in that case at least half the check would be...
    See more | Go to post

    Leave a comment:


  • I've read from capital ones credit wise that you should never apply for credit you don't need. I'd never buy anything at Fingerhut prices and I'd rather buy something free and clear on Amazon than ever use Fingerhut. Don't know anything good about it. Closing the account shouldn't impair your credit...
    See more | Go to post

    Leave a comment:


  • Just an update:. I've been discharged for two weeks now and have gotten very few solicitations.

    Very grateful for this forum and everyone else who has posted here.
    See more | Go to post

    Leave a comment:


  • Nodebtrenton
    replied to I have completely failed.
    You are doing the right thing and taking care of this now than waiting for problems to develop later. You most definitely have not failed. Had you waited who knows what would have happened?
    See more | Go to post

    Leave a comment:


  • Nodebtrenton
    replied to After bk
    The good thing about chapter 7 is that if you qualify you generally can keep all of your post petition income. The only exceptions is if you become entitled to an inheritance within six months of filing and if you have pending non exempt tax refunds (i.e. you file in June this year and none of your...
    See more | Go to post

    Leave a comment:


  • I don't think you face going to jail as long as you were honest in the petition and to your trustee.

    The fraud I see mentioned here relates to specific debts you incurred and those debts that are proven fraud will not be discharged. If you knew you were insolvent and took debt anyway that...
    See more | Go to post

    Leave a comment:


  • Apparently this is a reason your judge routinely denies them. Not in your best interest .
    See more | Go to post

    Leave a comment:


  • Nodebtrenton
    replied to 30 day deadline
    I'm going to assume that your 341 meeting was completed and not merely continued, or rescheduled. If so then the 30 days started from the day of the hearing and if no objections then your exemptions are assumed valid as you stated them if you stated them accurately. If the 30th day is on a day the courts...
    See more | Go to post

    Leave a comment:


  • Nodebtrenton
    replied to Losing Wealth Deadly
    And I wasn't trying to be rude to you either. Just seems that this board goes the way of the economy in that not so many people are filing BK now as in 2008ish that this board isn't as active but there is still people here . Medical care in this country is a joke to be honest and it hasn't gotten...
    See more | Go to post

    Leave a comment:


  • Nodebtrenton
    replied to Losing Wealth Deadly
    If you look at other postings this forum on some days has very few postings. It's not that people don't care. There are plenty of posts about the issue you mention. And it is a serious issue. But there are perfectly valid posts that get lost in the mix. I've had one such post that noone replied to....
    See more | Go to post

    Leave a comment:


  • Nodebtrenton
    replied to Progress!
    Aa long as you give the trustee everything he or she needs and you didn't go on a credit binge shortly before filing you should be alright. I'm glad you got your telephonic hearing approced. I know it would not have happened for me (it was just a bus ride downtown for me). But had I lived in the boonies...
    See more | Go to post
    Last edited by Nodebtrenton; 04-01-2018, 06:41 PM. Reason: Spelling and grammar fix

    Leave a comment:


  • Nodebtrenton
    replied to Quick timeline question
    It all depends. Mine was 96 days (34 days between filing and 341, 60 days to object, plus the two days it took the court to post the discharge. What matters is how many days between filing and 341, how fast your court is, and if there are any objections to your discharge. You make it past 60 without...
    See more | Go to post

    Leave a comment:


  • Nodebtrenton
    replied to Red Letter Day, POS GONE!!!!
    Don't say this very often but I'm glad the repo / surrender went well!!
    See more | Go to post

    Leave a comment:


  • Nodebtrenton
    replied to Moving before Filing
    You'd file in Arizona using AZ exemptions which would mean you'd have to go to the 341 in AZ, unless you maintain your primary residence in Ohio for more than 90 days in which case you'd file in Ohio (but still using AZ exemptions most likely). So probably a good idea to wait If possible.
    See more | Go to post

    Leave a comment:


  • Nodebtrenton
    replied to Progress!
    I was lucky enough to have an attorney to help me. That being said I considered pro se but given the 70/90 presumptions and such waiting was just fine for me. As for you David I'm glad things are working out for you. And thanks for not giving up. There is light at the end of the tunnel....
    See more | Go to post

    Leave a comment:


  • It says super moderator in your posts .
    See more | Go to post

    Leave a comment:

No activity results to display
Show More
Working...
X