Will anyone object?

[cetiya]

I had to produce a month of bank statements, now that I have filed. there is a charge of 300.00 dollars to get my hair done, (my hair is down to my waist, i got a full foil and it took 5 hours, thats why it was so expensive and I only get it done about twice a year)
also many small purchases (mostly under ten dollars) from Amazon. com for used books and used videos. I also got a lot of food from Jack in the Box! I know these are things I can live without, but thats about all I do for entertainment. I am way below the median, so will any of this matter? also, since I didnt know exactly what day my lawyer was going to file, I still had money in my account, but only a couple hundred dollars.

[FreshLikeADaisy]

Cetiya, if you're way below the mean it shoudn't make a whole lot of difference, especially since you've been spared the detailed accounting required by the means test. If you were honest on your income and expenses, and can explain the various items IF you are asked, you're golden.

I know that once I got to filing I had a tendency to fisheye various *legit* expenses, trying in a way to out-audit an auditor. Now I'm not saying that's you -- not everyone is as miserably detailed as I am -- but I think everyone gets a form of it. However, when I turned it around and looked for the same things they look for, which include fraudulent charges and cash transfers on credit cards, excessive "luxury" purchases, transfer of assets, hidden assets, it made me feel a lot better because all of my stuff added up the same no matter which way you look at it, and was actually pitifully small in comparison to what they were looking for.

So don't sweat the Jack in the Box, the $10 Amazon charges, even the hair foil (it's remotely possible you could get asked about that charge, just answer honestly if you are) and keep on truckin.

Just FYI, I had to produce a year's bank statements with copies of all checks written... and a whole lot more than that. So even though it's kinda scary to have them peeking through your finances like that, it could have been a lot deeper. And just because they ask doesn't mean your bk is in any danger, so don't hesitate to just say that you like your JITB and your hair to look nice.

Also, your attorney has most likely exempted any bank balance you had at the time of filing, so don't worry they will come and take it.

I don't know if you have a PACER acct, or if bankruptcies are published in your area, but it wouldn't hurt to look at a few other filings (they are public record). When I did, and I realized how informal some of them were in terms of detail, I really started to lighten up and not worry so much.

Good luck!!!