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Nodebtrenton
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Last Activity: Yesterday, 09:24 PM
Joined: 01-25-2018
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  • I got my mom a $20 phone in the days leading to BK. My attorney listed it as an insider transaction but that’s all that came of it as I had no other nonexempt items....
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  • It depends. Is your account current? I’m assuming you want to keep them. Generally in a chapter 7 they may not come up. In a chapter 13 I’m not sure but in both cases you MAY be able to use it as a necessary expense.
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  • Nodebtrenton
    replied to Tax Refund
    In a chapter 7 a debtor is trying to liquidate their debts. They seek to discharge their DISCHARGEABLE DEBTS. In exchange they agree to give up any NONEXEMPT ASSETS. This includes tax refunds earned prior to filing. Each state has their own list of exemptions. Some states also allow you to choose between...
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  • Nodebtrenton
    replied to Preference Payment
    Who knows what the trustee will do? But the trustee will get his money one way or the other because it was a preferential payment within a year of filing. So expect the trustee to get paid one way or the other. Remember even if your father has to pay back the trustee you can (but legally don’t have...
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  • Just remember any attorney worth hiring will sit down and talk to you about your case for free to discuss your options before you have to commit any money. So regardless of whether or not you file pro se (yourself), definitely get the advice of an attorney (or three). I had only $20k and I’m glad...
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  • It depends on what other assets you want to protect. If you rent your property then the wildcard option may be the better route. Based on the federal exemptions of course. Not familiar at all with NJ exemptions....
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  • Nodebtrenton
    replied to New and confused
    Exemption rules vary based on which state you live in. Some states allow you to use only the state exemptions while others allow you to use either that state’s exemptions or the federal exemptions. So it really depends on which state you live in.

    Trustees are not interested in your kids...
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  • The real issue (IF and that’s a big IF it’s an issue at all) would be with your creditors since they know when you took credit and if it’s a credit card where you used it. The trustee is mainly concerned with your assets and whether the paperwork was filled out honestly and completely. Your creditors...
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  • My discharge for a chapter 7 was in March and they reflect the same as yours.

    And they will likely remain that way. Creditors are not required to and usually don’t update the data once they show $0. They usually state included in bankruptcy which simply means that if the bankruptcy reports...
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  • Me personally I would go to credit karma and check your credit reports. The credit scores arent as good but the credit reports themselves are what I would be looking for. Make sure all balances that were discharged report as $0. Many likely have been reporting as such since you filed. And congrats on...
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  • Maybe the reason nobody can answer is because nobody could do so without the help of an attorney. Whille to be perfectly honest I used an attorney from the start but I considered going without, but upon seeing this I would immediately have gotten one. When a trustee (a bona fide BK attorney themselves)...
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  • Despritfreya is an attorney and knows what these things are all about. He or she knows the law better than anyone filing their own petition.

    Ive seen videos on Rule 2004 exams. Believe me you don’t want to go in on those on your own. Trustees (who usually are attorneys themselves) will...
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  • According to what I read the trustee only gets 25% of the first $5,000 plus $60 from your filing fee (unless it was exempted due to financial hardship). And above $5,000 the rates go down. So something seems up here....
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  • Nodebtrenton
    replied to Closing case
    Sorry to hear of the death of your spouse. The only thing I can think of is are there any flags on PACER other than awaiting closing?
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  • Nodebtrenton
    replied to Is This Good? :)
    Looks good to me. You got your discharge. Is there a link next to the discharge line? I.e. if that’s entry 13 then entry 13 should have a hyperlink. Clicking on that gets you the document for $0.20 in pdf form.

    your case is now closed. So that means that the court is done with your case...
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    Last edited by Nodebtrenton; 05-31-2018, 06:26 PM.

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  • Nodebtrenton
    replied to 341 coming up Monday next week
    I believe that is correct. I was watching a video done by the us courts (official account) of a mock reaffirmation hearing and the judge said 21 days after hearing or date of discharge whichever is later....
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  • Nodebtrenton
    replied to Trustee's final report
    If a properly listed creditor fails to file a claim they lose forever their right to collect money on that estate, and your debt to them is discharged just the same. The allowed claims are paid to your creditors with the nonexempt resources you paid. So one or more creditors not filing simply means...
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  • Nodebtrenton
    replied to Is This Good? :)
    Did you get your discharge?
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  • Nodebtrenton
    replied to Can anyone use Pacer?
    actually if it was filed 3/16 then Most of the initial entries should already be posted. You should have completed your 341 hearing and possibly have had your plan confirmed. If that’s so then PACER isn’t a big concern at this moment. Just make your payments and count down to 3 years/5 years/100%...
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  • Nodebtrenton
    replied to Can anyone use Pacer?
    Anyone can use it. There is a charge of $0.10 per “page” and you have to register a debit card (you aren’t using credit cards are you). If in a quarter your usage is less than $15 your fees are waived.

    in the login screen where it says client code you can leave that blank. That’s...
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