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GAonmymind
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Last Activity: Today, 03:58 PM
Joined: 06-12-2018
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  • When do you plan to file? Starting NOW keep anything that comes in the mail, and perhaps even quiz collectors that call you on the phone about amount owed, the company they are and the original creditor.

    Refer to all of your credit bureau reports, but do your best to think of & include...
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  • My uderstanding (which is not even close to being on par with legal advise) is that the means test/income analysis factors all household income. I plan to file and my husband does not. In my case, I am the primary income earner. But we will need to list both incomes and the means test will be based...
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  • GAonmymind
    replied to Lease agreements
    If you are including the phone plan/service and do not own the phones: you may need to surrender the phones back to the provider.
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  • It does not hurt to consult an attorney of course - but if you get sued I don't believe they can put a lien on property you do not currently own. The BK Trustee has greater power than the creditor.
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  • I believe the look back window for property transfer is 1 to 2 years.
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  • If you are looking to file pro se: do a few free consultations with attorneys and ask about having just had your name removed from the property. How much equity? GA allows $21,500 exemption in a house. So if it was a total of $50,000 equity then your half was $25,000 and the trustee may have a claim...
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  • GAonmymind
    started a topic Ch 7 Before the end of 2018

    Ch 7 Before the end of 2018

    Anticipate filing before the end of the year. Have not been served yet but a creditor filed against me this past Friday. (Received LOTS of mail yesterday from BK attorneys who watch the filing activity it seems.) I stopped paying on cards last year - $55,000 listed as derogatory on TU. Not sure that...
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