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Nodebtrenton
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Last Activity: Today, 09:07 AM
Joined: 01-25-2018
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  • Ten years ago I was in a similar situation. Someone took advantage of what money I had and made all these bold promises. I could have filed BK then but I barely managed to turn the corner. And eventually I became fully solvent again until other things happened. I learned my lesson. But I know exactly...
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  • Every creditor except for capital one reported my accounts as closed right away. Capital one did not report at all for two months and then recently reported the same. FAKO credit karma score up about 100 points. I know my fico now but I didn't check it until after so I have no idea of the change t...
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  • Nodebtrenton
    replied to What was YOUR experience in filing?
    For me it was easy. I live in Washington, where we have the choice between using the Washington State and the Federal exemptions. Given I don't own any equity in my residence (I rent), it made it easy as I have less than $11K in possessions. Easy peasy. Until the trustee finds that my deceased grandpa...
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  • Nodebtrenton
    replied to Capital One
    If they file a lawsuit BEFORE filing then there are things you can do to delay it. You can answer the complaint which will give you time to get ready to file. And then it can take more time before you get to trial. As far as filing an AP by waiting six months it makes it extremely unlikely that would...
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  • I totally agree with JB. the months leading to filing I was not happy, always worrying what would happen. I had tons of debt but always had a way to make the minimum payments .Until i sat down and wrote where my money was going did I realize I had a losing fight. That's when I made the decision to...
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  • Nodebtrenton
    replied to Discharged TODAY!!!
    From someone who is about a month behind you (I probably filed near when you had your 341 meeting), I feel some encouragement. As the days get closer to my expulsion from Club 60, I get eager to make the first steps of my new start. My credit may be wrecked, but I'll have no debt. Congratulations...
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  • Believe me I had it rough for me too. And that was over just 20k in debt .It's not the amount of debt but instead the embarrassment of not being able to pay your debts as they come due. I feel so much better now and my membership in the 60 day club only has 27 days left (my 30 day club membership expires...
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  • Thanks JB for clearing that one up for everyone. We all know most of our business will be made public thanks to BK but our SSN should not be. Does the US Trustee sit it with new panel trustees in case this happens? Not an issue for my 341 he just said he reviewed my petition against the documents and...
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  • Nodebtrenton
    replied to In the 60 day club now
    I'm halfway done and the only news is good news! The report of no distribution. My 30 day period to object to exemptions should have ended on Saturday 2-17 but because of the weekend and holiday they get until Tuesday 2-20 . The deadline to object to discharge though is still four weeks on 3-19. No...
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  • Nodebtrenton
    replied to Selling Your Information
    I've read about companies who claim to stop foreclosures who do so by filing BK without their knowledge or consent. That to me is enough to require verification of ID and SSN, to stop the BK fraud.

    All of the procedures were known or should have been known prior to filing .
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  • Nodebtrenton
    replied to Selling Your Information
    All I have left to say to you is this: Make sure you communicate with the trustee and they know what your situation is. Had you filed with an attorney, they would have been able to fight for you on this to try to accommodate your needs. If you let this case get dismissed, you'll need to refile and...
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  • Nodebtrenton
    replied to Filing chapter 7
    You do have to disclose them. You also have to be able to produce a statement of how much money is in the accounts. You're right to have as few accounts as possible .I had four and it was difficult getting the statements because my attorney needed them before I got the official statements so they let...
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  • Nodebtrenton
    replied to Filing chapter 7
    I would OPEN another bank account (not Wells Fargo or a bank you owe money to, that's just problematic) so you have a safe place to store your money. Wells Fargo has a reputation for freezing bank accounts in the mistaken notion that the trustee is going to want that money .

    Any cars you...
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  • Nodebtrenton
    replied to Selling Your Information
    There is only one page where you put in your full SSN. Everything else is just the last four digits. Everything except that page is public information. If you knew my real identity you could look up my case on PACER too.

    How far is the hearing from where you're at? When's the hearing? The...
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  • Nodebtrenton
    replied to Selling Your Information
    Bankruptcy is a public record. The last four digits of your SSN are also visible to anyone curious. When you submitted your paperwork, anyone can view any document you submitted to the COURT. The only exception is the page where you state your full SSN. That page is visible to the court and Panel...
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  • Nodebtrenton
    replied to Can I file?
    My only concern is that you misstated your income which If that's how they choose to fight it could result in you being liable for that debt. But it would have to prove to be a determining factor in their decision to grant you credit.

    As your most recent purchases are over a year old you...
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  • Unless you've signed a retainer agreement then nothing was agreed to. You are welcome to (and strongly advised) to get a second and third opinion.

    Those documents (paystubs tax returns titles etc) are necessary no matter who you file with and they are YOURS not the attorney's.
    ...
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    Last edited by Nodebtrenton; 02-16-2018, 10:50 PM.

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  • The means test is based on all pay for the last 6 months. You can find another attorney but if you file anyway with that then you could have the US Trustee knocking on your door unless you are convinced you could beat the POA (Presumption of Abuse).

    If you were to file before the 28th then...
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  • Nodebtrenton
    replied to Tax refund and needed repairs
    Because the refund was for last year unless you can exempt the refund you likely would have to give it up. If you are married and your spouse is NOT filing with you then you may only need to give up half of the refund.

    EDIT: Also next year the trustee may want 1/12 of the 2018 refund but...
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  • First of all, you do need paystubs (6 months worth, it sucks!!). If you were like me and threw them away as soon as you got them, you should be able to ask your employer for past copies, and you don't even need to say why. My supervisor told me that a lot of people need it for rent (I didn't specify...
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