I have decided to keep going on the Ch. 7 after our 341 hearing was continued despite the overwhelming burden of proof to contend that we are eligible for Ch. 7 and to dispute the presumption of abuse because of our high income and massive debt. I have gathered the 3" thick pile of documents requested by the UST, the most exhausting thing I have ever done, but everything is documented. The paralegal did all of the calculations for me using a computer program and I really didn't understand the means test or schedules I & J at all when the petition was prepared. I had no idea that I would have to defend those numbers on my own!
As I went through everything I feel like I have a pretty good grasp on all of the calculations, but pretty much every number the UST asked about needed to be changed. There was no attempt to inflate numbers in our favor, just errors in calculation and way too much estimating on the part of the paralegal. Is this grounds for dismissal?
Has anyone been through this type of audit, had the second hearing go well and see the light of day in the form of a discharge?
As I went through everything I feel like I have a pretty good grasp on all of the calculations, but pretty much every number the UST asked about needed to be changed. There was no attempt to inflate numbers in our favor, just errors in calculation and way too much estimating on the part of the paralegal. Is this grounds for dismissal?
Has anyone been through this type of audit, had the second hearing go well and see the light of day in the form of a discharge?
A NEW START!!!
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