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david1971
Registered User
Last Activity: 05-20-2018, 04:55 PM
Joined: 02-05-2018
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  • david1971
    replied to Post Bankruptcy-Now What?
    Oh, all the creditors have probably 20 copies by now. Each. Sent by the courts, me, first class mail, Priority Mail with tracking and Delivery Confirmation.

    I wonder how long they have to respond to the bankruptcy automatic stay and discharge....
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  • david1971
    replied to Post Bankruptcy-Now What?
    Nah. Pro Se. That is why I am here.

    I was reading on a legal website:

    "Bankruptcy attorneys are good at hyping the bankruptcy discharge. Terms like “Erase Your Debts!” and “Start Fresh!” abound in consumer bankruptcy advertising. You may know that at the end...
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    Last edited by david1971; 05-18-2018, 04:29 PM.

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  • david1971
    replied to Post Bankruptcy-Now What?
    It is so strange to me that a creditor can contact you and say "Hi. I saw you filed bankruptcy, and I got your contact information from your case. Pay us now!" I thought that the very nature of the bankruptcy meant they were not supposed to contact you?
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  • david1971
    started a topic Post Bankruptcy-Now What?

    Post Bankruptcy-Now What?

    How long does it take for the bankruptcy to kick in after the Judge's order? Not many creditors seemed to care about the Automatic Stay. Now that I have that magical Discharge Order, I am finding that no one cares. The only real thing I have accomplished is ruining my decent credit, and getting MORE...
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    Last edited by david1971; 05-18-2018, 02:30 PM.

  • david1971
    replied to Filed. Awaiting discharge.
    I was reading somewhere that judges have granted creditors to send out "informative" letters. One of those things that makes me think the system is silly.

    I had a college debt from forever ago. Well, I had no idea about it. Apparently my school aid was retracted by the feds for...
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  • Just an FYI, we usually qualify for anything we may need. They give us a maximum income limit close to $7,000 a month. I know it is honorable to pay your dues. But it's not like American for-profit hospitals are not making money. If you need the help, apply. Cheers....
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  • david1971
    replied to Discharged!
    That was about what mine was.

    Well, not every place honors bankruptcies. Some creditors just don't care. Apparently an Adverse Proceeding may be required. I currently have one major creditor that refuses to acknowledge the bankruptcy. And since filing, and giving out my name and address...
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  • Well done. I feel like we are all part of some strange, secret society... Ha ha.

    It is a nice feeling going through all that stress, and accomplishing what you set out to do....
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  • Would it not be automatically included in some jurisdictions if it is a No Asset Bankruptcy?

    And yeah, I would look into hospital charity fund. They all have one, but do not advertise. Most place's definition of "poor" is usually pretty high in income....
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  • david1971
    replied to Discharged!
    Thank you. I did not have a lot of debt, but it is a lot for me. But filing in another state, and being disabled/unable to travel, was really an extra pain. I am getting old and frustrated with certain elements of life. So there was all that too.

    But with a little help here, I got it. Very...
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  • david1971
    started a topic Discharged!

    Discharged!

    I got my Discharge!

    I thought I still had a 2-3 month wait.

    But they got my second attempt at the Amendment, accepted it, with forms I copied from other cases on PACER, and then discharged it the same day.

    I was surprised at midnight as I was going to bed and checked...
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  • david1971
    replied to Enforcing Automatic Stay?
    No this is from an SS over-payment, that was no fault of my own. They are the 2 main creditors in my case. The other is the DoS. The DoT closed my case and now the DoS has the case again. I was reading in the FAM code that this is good either way and gives me more options. They may even be doing a 2...
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  • david1971
    replied to Filed. Awaiting discharge.
    That is not SS disability is it? I have that and they are not stopping collections... ...
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  • david1971
    replied to Possible chapter 7 case
    How can the police refuse to issue a report? You can get a police report, becasue you don't like the way someone looked at you. Not saying they are not refusing. Just saying someone needs to be able to issue you one.

    I was curious, why don't you track the car with GPS? Isn't that standard...
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  • david1971
    started a topic Enforcing Automatic Stay?

    Enforcing Automatic Stay?

    So one of my big creditors has yet to honor the Automatic Stay. The SSA. I notified them in February of the bankruptcy. At the Federal Office, Regional, and Local Office. I have now notified them about 15 times. With Delivery Confirmation. The court also notified them. I also sent them copies of the...
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  • david1971
    replied to Making an Amendment
    I actually and here is a good idea, realized I have access to PACER. And sure enough, I was able to look up other people's cases and see how their lawyers did the forms! From this month, from the exact same court.

    So I hope that works out.

    We will see in a few days.
    ...
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  • david1971
    replied to Making an Amendment
    Thank you. Yeah, the local rules and the Pro Se section have NOTHING on Amending Schedules! lol

    The links help. I think I will just have to make my own form in the court format.

    Sorry if I sounded frantic earlier. I was caught off guard again....
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  • david1971
    replied to Making an Amendment
    OK. So I have found the instructions on how to access these forms.

    You need to access them through the PACER attorney login!

    So I guess Pro Se cannot amend a filing. That seems messed up.
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  • david1971
    replied to Making an Amendment
    Shoot. Can't find the Notice of Amendment either...
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  • david1971
    replied to Making an Amendment
    Looks like "Verification Or Unsworn Declaration" is not a form? At least it does not exist on the bankruptcy website...
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