Signed papers yesterday!!

[jenopher]

It's a start. I am a little concerned because our J shows 350 extra each month. They are claiming that the Trustee is more concerned with the means test and only if a US Trustee gets involved that he may be interested in trying to convert us to a 13, but not the regular trustee. I was under the impression that it was the other way around and that the sch J was more important. Anyone else hear that it's really only the US Trustee that's concerned with the J? They think we won't be looked at by the US Trustee bacuase our debt is less the 100K.

[almost]

Did your attorny say anything about that extra income. The means test is all about abuse. But if the UST finds extra income on the J he may question you about that, this is possible monies to br use to repay the cc.
Who is they? What do you mean regular Trustee, do you have a stand-in Trustee. The Trustee for your area will be looking at your case. The UST is interested in you if you have assests. But I'm pretty sure that the UST looks at all cases regardless of debt.

[Cali]

I think they are equally as important. IMO having that much leftover on a J isn't a good thing.

[JRScott]

Look over your expenses and see if there is anything you overlooked. 300 on the J is a lot, I'd look to amending it later if necessary. Make sure you accounted for taxes, insurance, medical, dental, eye, car maintenance etc.

Good Luck with the bk though

[jenopher]

Looks like I somehow missed putting Social Security payments in the right box. Once entered the approx. 300.00 a month put us at about 50 left on the J form. We are resting much better now. I believe they filed it Friday, but nothing is up on Pacer yet.

[Cali]

After reading so much on this forum, I seem to be the only one that didn't have to fill out their own forms.