being reviewed -need help
Hi,
My husband & I filed Chapter 7 at the end of last year with the help of our attorney. The phone interview and 341 meeting seemed to go well with no Creditors showing up (but neither did our attorney--Oh, he decided to close his practice and forgot to notify us) until I received a letter from our Trustee stating that she was objecting to our claim of exemptions.
One area states that our exemptions are too low and the next line states out scheduled exemptions exceed the value to which we are entitled. Then today, my "missing attorney" comes to my work with a letter from the US Dept of Justice-Trustee dated 4/18 stating that our case is being reviewed relative to 11 U.S.C. 707a & b and/or 727 and wanting us to respond within 15 days to his 11 items list ie: 2 yrs tax returns, 3 months paystubs, 12 months bank stamements, proof of mortgage, an explanation of events or "WHY" we are filing, even proof of our food expense and cable bills.
From the very beginning, we were up front & honest with out atty in regards that we contribute $300.00 a month to our only (adult) child who has a terminal illness, receives barlely enough SSI to live on his own which he chooses to do for a long as he can until it comes time for him to move back with us when it will then be time for me to give up my job to take care of him. Now they want a copy of "the court document" that shows support of our additional dependent, which is not the case right now. No court order is needed for caring parents to try to see that their child needs are being taken care of.
We do have an "asset case" (home, 2 cars and an old boat paid for) and they are more than welcome to come and take anything they wish and no doubt, they will. I had to give up my commissioned sales position with benefits and move back to a clerical position which will reduce my salary by $7,500.00 We just need debt relief from our $50,000 in unsecured card loans which we will never get paid off in 2 life times with loan shark interest rates of 29%.
Sorry I've go on so-but I just feel so betrayed by the system that my husband & I have worked our whole lifes to support and the first time we need it, the sharks smell blood.
Am I over-reacting? My attorney said we need to get everything together, (who keeps all their lunch & grocery receipts) send it to him and he'll, for an additional charge, (we've paid him over $1100.00) will write a letter and send everything off for us.
Can they refuse our Chapter 7 or change it to a Chapter 13. How often does the US Dept of Justice Trustee get called in? We have not lied or forced figures but I am afraid that I can not come up with all the receipts I need.
I also do not want to get my Son involved in all this either.
What to do????
My husband & I filed Chapter 7 at the end of last year with the help of our attorney. The phone interview and 341 meeting seemed to go well with no Creditors showing up (but neither did our attorney--Oh, he decided to close his practice and forgot to notify us) until I received a letter from our Trustee stating that she was objecting to our claim of exemptions.
One area states that our exemptions are too low and the next line states out scheduled exemptions exceed the value to which we are entitled. Then today, my "missing attorney" comes to my work with a letter from the US Dept of Justice-Trustee dated 4/18 stating that our case is being reviewed relative to 11 U.S.C. 707a & b and/or 727 and wanting us to respond within 15 days to his 11 items list ie: 2 yrs tax returns, 3 months paystubs, 12 months bank stamements, proof of mortgage, an explanation of events or "WHY" we are filing, even proof of our food expense and cable bills.
From the very beginning, we were up front & honest with out atty in regards that we contribute $300.00 a month to our only (adult) child who has a terminal illness, receives barlely enough SSI to live on his own which he chooses to do for a long as he can until it comes time for him to move back with us when it will then be time for me to give up my job to take care of him. Now they want a copy of "the court document" that shows support of our additional dependent, which is not the case right now. No court order is needed for caring parents to try to see that their child needs are being taken care of.
We do have an "asset case" (home, 2 cars and an old boat paid for) and they are more than welcome to come and take anything they wish and no doubt, they will. I had to give up my commissioned sales position with benefits and move back to a clerical position which will reduce my salary by $7,500.00 We just need debt relief from our $50,000 in unsecured card loans which we will never get paid off in 2 life times with loan shark interest rates of 29%.
Sorry I've go on so-but I just feel so betrayed by the system that my husband & I have worked our whole lifes to support and the first time we need it, the sharks smell blood.
Am I over-reacting? My attorney said we need to get everything together, (who keeps all their lunch & grocery receipts) send it to him and he'll, for an additional charge, (we've paid him over $1100.00) will write a letter and send everything off for us.
Can they refuse our Chapter 7 or change it to a Chapter 13. How often does the US Dept of Justice Trustee get called in? We have not lied or forced figures but I am afraid that I can not come up with all the receipts I need.
I also do not want to get my Son involved in all this either.
What to do????
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