A couple questions if somebody can spare a moment. Do credit card companies go through their records to submit to the trustees? and If I went 100% payback in chapter 13 will the trustee be rough with the exemption/ asset phase? Any help would be deeply appreciated.
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A couple questions if somebody can spare a moment
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Originally posted by greeatscott View PostDo credit card companies go through their records to submit to the trustees?
and If I went 100% payback in chapter 13 will the trustee be rough with the exemption/ asset phase?
Are there exemptions or assets included in your filing that you think could be a problem for your trustee or creditors?I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.
06/01/06 - Filed Ch 13
06/28/06 - 341 Meeting
07/18/06 - Confirmation Hearing - not confirmed, 3 objections
10/05/06 - Hearing to resolve 2 trustee objections
01/24/07 - Judge dismisses mortgage company objection
09/27/07 - Confirmed at last!
06/10/11 - Trustee confirms all payments made
08/10/11 - DISCHARGED !
10/02/11 - CASE CLOSED
Countdown: 60 months paid, 0 months to go
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Hi, thanks for answering.
I'm not sure, I just have alot of "stuff". I'm an amateur photographer so I have alot of camera equipment and a couple of scanners I really don't want to lose. I also used to be a musician. I guess I wouldn't mind parting with some of the gear, but some of it I've had for years. Do the trustees "come over and check out what you have in your home/apartment?
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Not usually, but they could come around. I would suggest listing those things at their "fire sale" value. I don't know the market for used music gear, but I would guess you would have pretty good exemptions to cover it. And if you are using the photography gear to earn reportable money, there is an exemption for tools of the trade.
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Originally posted by greeatscott View PostHi, thanks for answering.
I'm not sure, I just have alot of "stuff". I'm an amateur photographer so I have alot of camera equipment and a couple of scanners I really don't want to lose. I also used to be a musician. I guess I wouldn't mind parting with some of the gear, but some of it I've had for years.
Do the trustees "come over and check out what you have in your home/apartment?
Trustees only have the sheriff check your assets inside your home if there's a strong suspicion you are hiding valuable physical assets such as art, furs, jewelry, cars, etc. that are not declared on your forms when you file. If you aren't hiding anything, then the trustee isn't going to be coming to your home - you can relax about thatI am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.
06/01/06 - Filed Ch 13
06/28/06 - 341 Meeting
07/18/06 - Confirmation Hearing - not confirmed, 3 objections
10/05/06 - Hearing to resolve 2 trustee objections
01/24/07 - Judge dismisses mortgage company objection
09/27/07 - Confirmed at last!
06/10/11 - Trustee confirms all payments made
08/10/11 - DISCHARGED !
10/02/11 - CASE CLOSED
Countdown: 60 months paid, 0 months to go
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That's good to know, but with the trouble we are having with our adversay filing an AP against us, and then the finding of a mortgage assignment that both we and our attorney forgot to list, my husband has written to our Trustee inviting him to come out and examine our stuff. Probably not a real wise move, but occurred before we found this forum. Also our attorney is not very informative herself."To go bravely forward is to invite a miracle."
"Worry is the darkroom where negatives are formed."
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