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david1971
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Last Activity: Yesterday, 12:30 PM
Joined: 02-05-2018
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  • david1971
    replied to Selling Your Information
    I am reading the form and it says that I was unable to make the meeting on the past date of blank, and that I will never be able to do so, not even by phone with a notary, because blank.

    I can do that. There are 3 notaries within a block or 2 I can make it to. I asked the Trustee if he...
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  • david1971
    replied to Selling Your Information
    Oh, was working on that now. As I understand it, you cannot file this before the meeting? But only after the meeting, and you did not attend? Is that not correct?...
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  • david1971
    replied to Selling Your Information
    Ha ha. Learning all of the procedures is quite difficult.

    I still fail to see the difference in all the other business one can do, that has a potential for fraud, yet very little, if any verification of ID and SSN.

    The fact that bankruptcy fraud exists, is not enough to warrant...
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  • david1971
    replied to Selling Your Information
    How do I not have the cards in my possession?

    Getting a mortgage, credit cards, car loans, student loans, and tax returns from someone else does not harm them?

    I know you don't make the law. It just seems inconsistent....
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  • david1971
    replied to Selling Your Information
    Well, as far as mistakes go, my SSN Card looks the same if I am standing next to it or not.

    The intentional fraud? I don't know. I mean, like any fraud, I can see that it's possible. But it is just the first time in my life filing paperwork that requires me to be in person....
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  • david1971
    replied to Selling Your Information
    Well I am definitely not going. But I am trying my darnest to explore alternatives and be upfront with the situation with the Trustee....
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  • david1971
    replied to Selling Your Information
    I got everything to the trustee within 24 hours of him asking, via e-mail. Has not asked for anything else. I gather it was sufficient. I did not know where the hearing was going to be located, because I did not know that an in person hearing was required. I assumed you could just do it all by mail....
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  • david1971
    replied to Selling Your Information
    Soon. Tomorrow hopefully I will file that. Already sent the reconsideration for fee waiver. And sent info to the trustee that I can do telephonic with a notary. I can do that. It's up to him though.

    Really? How often do people fraudulently file bankruptcy on someone else?...
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  • david1971
    replied to Selling Your Information
    "That is something you should have been aware of when you filed."

    Why should I have known this? And the instructions said the whole SSN.

    My petition is going to be denied, because I cannot do the 341 Meeting of the Creditors. I read that not going does not mean an...
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  • david1971
    started a topic Selling Your Information

    Selling Your Information

    OK, so I guess the courts selling your personal information to lenders is "normal", even though my bankruptcy petition is going to be denied.

    But I am getting letter with my full legal name, at my home, and with my Social Security number.

    Not only do they have my...
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  • david1971
    replied to Effect on Credit Score
    Ha! Maybe because we did not have a lot on our report to begin with?
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  • david1971
    started a topic Effect on Credit Score

    Effect on Credit Score

    So this bankruptcy just keeps getting weirder. I heard the bankruptcy will basically destroy your credit for a while. Well, just got notices in our emails. The wife's went up 127 points! Mine went up 156 points! I now have excellent credit. It is actually higher than it has ever been!

    Anyone...
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  • david1971
    replied to Alternatives to Bankruptcy?
    Well, thanks for the pointers. Still, they do not teach all these procedures in High School. Not that I can remember that far back anyways. I do not think this is all common knowledge. It can be very difficult to do all of this. Especially when an accomplished day usually involves paying a bill and...
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  • david1971
    replied to Alternatives to Bankruptcy?
    Oh man. PACER takes a couple weeks to register. And it costs money just to use it! A lot of this makes no sense to me. 10 day limit, but takes 10 days in the mail. I am guessing that is really 10 days after you receive it? It is also strange that a bankruptcy judge does not even know about debts and...
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  • david1971
    replied to Bankruptcy Filing Location?
    Considering I have no assets or money, I should be able to file anywhere, I would think. All federal debt.

    Greyhound must only run in certain areas then. I have not seen one in forever. Lots of local buses that you can book on their site for a higher fee. But no more buses. Of course, AmTrak...
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  • david1971
    replied to Alternatives to Bankruptcy?
    I am looking at filing the motion to reconsider the fee waiver right now. I have that form almost filled out. But I apparently have to file several other forms with it. I am not sure about those yet. Why 14 days? It looks like it took 10 days alone to receive the denial in the mail from the date the...
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  • david1971
    replied to 341 Meeting-Telephonic
    For others coming here, this seemed to be a particularly helpful link:

    http://www.txs.uscourts.gov/sites/tx...eet_attend.pdf...
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  • david1971
    replied to Alternatives to Bankruptcy?
    Both very helpful and hopeful. Thank you very much for taking the time to put this together. I am not good with my words. I am afraid I do not express myself properly. Or confuse what other people say. Especially online. I appreciate this. I have the weekend to mull it over and come up with a game plan....
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  • david1971
    replied to 341 Meeting-Telephonic
    This is some good pointers. Thank you. I sent a written request, all professional like to the Trustee via fax and e-mail about the Telephonic 341. He did not seem unreasonable. He said he had never heard of it and called some department of Trustees to ask. So at least he tried. But basically not an...
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  • david1971
    replied to Alternatives to Bankruptcy?
    How will an attorney change the 341 rule? Filing in my state will not help me. As I said before, if I paid for transportation, it is more expensive in this state to travel, than several states away. You cannot file in 3 months. After a dismissal, you have to wait 180 days minimum before filing again....
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