chapter 7 questions:

[Frogge]

I also have to ask... you told your attorney this money was gifted to you when it was really money you had taken out earlier and re-deposited? Am I understanding that correctly? If so, the most important thing in this whole process is complete and unabashed honesty. Honesty with your attorney, honesty with the trustee and honesty with yourself. Things that may seem like "little fibs" to you are enough to get your case dismissed later if they float to the surface.

Yes, I *think* that's what Cali was getting at, also. Suzy, the bottom line is if you spin this up too much, you yourself are not going to know what happened to the money, and it seems to me that would make convincing a trustee nearly impossible. JMO

[suzyqpug]

I did gamble but I am not a liar or trying to hide something. I told all in my question that I as gifted money and pulled it out of one account and put it into my checking that i pay all my bills out of. Weather or not it was large amounts shouldn'tbe a problem, cause you can see on my statements that the money was deposited into another account - the account that I pay my bills out of.

You can look back at all my questions - I have nothing to hide. Frogge you answered one of my questions and actually said "you have asked the same questions over and over". Well, see maybe I am just a nice person and understand when someone is going thru bad times that maybe they get nervous and ask alot of questions. Sorry if I bothered you by asking the same question. But if it was me I would never make someone feel like S*** for asking the same question. I would think gee, they must really be upset and scared.

Anyway, I am not looking for other people to gang up on me, My reposnse was to Cali. i appreciate each and everyone of your answers, but when someone lashes back at me and insinuates that i am lieing, yes i take that to offense.

I wish to end this. I asked people what they thought about some things, I didn't ask what they thought about me End of story. I will try never to ask another question on here again, I will wing it form now on. Thanks for all your responses and for scaring away a newbie. You should pat yourselves on the back. Wow, i thought i finally found a place where we are in it together. Job well done.

[Help!]

Cali -
Furthermore, I had someone cash 2 checks for me cause I was away on those days and I left 2 checks at my house for them to cash.

This is the type of bizarre statement that would have a trustee scratching their head and wondering "what lies beneath". Why would you leave $1000 checks at your house for someone else to cash while you're away? Under what circumstances would this make any sense? No offense, but this is the strangest thing I've ever heard.

[suzyqpug]

The Money Was Gifted And Put Into A Account. That Account Was Not Linked Up To Us Paying Our Bills Online. My Other Account Was So I Took Out The Money And Redeposited It Into Anyother Account To Pay Bills With. I Gave Copies Of All The Accounts Showing The Withdrawls And Then The Deposit Into Another Account. I Am Not Hiding Anything. Gesssh.

[hnhlvr]

Hi,

I was scanning through your posts and found you had talked about collection calls from BOA way back in Jan of 2008, months later you later charged carpeting. Did you tell any of your creditors that you have been planning to file PRIOR to that carpeting purchase? You could be in big trouble if you did!

I would FOR SURE wait at least six months before filing if there are any suspicious charges.

[fltoo]

Suzy, I am so sorry that you are so scared and upset. Please stay because no one here meant to hurt your feelings. They are just trying to help you foresee any problems. It will really be better for you to stay and ask as many questions as you would like to. All here are just trying to help.

[Help!]

No one is ganging up on you, honey, we're just trying to piece together what you've told us in several posts and can't get things to add up. Your first post made it sound as if you told your lawyer the money was gifted to you when it wasn't (and maybe it's just the way it was worded). Cali was not lashing out at you, she was just trying to get to the core details and to try to make sense of what you said.

When you read posts, you can't hear someone's voice or see their facial expression. When you're under a lot of stress you can interpret their comments as hostile when they really were not meant to be. Please don't leave and wing it... we are trying to help and we all understand what it is to be at the end of your rope!

[liz417]

Suzy, I am so sorry that you are so scared and upset. Please stay because no one here meant to hurt your feelings. They are just trying to help you foresee any problems. It will really be better for you to stay and ask as many questions as you would like to. All here are just trying to help.

I agree!

[Cali]

If you get this upset with me asking simple questions, I hate to see how you will act if you get a tough trustee.

[Help!]

Here's your earlier post in another thread:

***
Is the trustee able to find out on there own. If i do not provide it will they find out? I called my bank today and they have 2 - 1000.00 checks cashed, a 250.00 checked cash and then 8-500.00 mac withdrawels, all in the same month. We used the money to pay bills and gamble. How does one explain that? The 2 checks were written out to friends, cause i charged 2000.00 on there charge card in december. How do i answer that one?
****

Are we talking about the same checks? The two $1000 checks that you "left at your house for someone to cash while you were away?" If so, they're preferential payments to creditors (even though they're your friends). Tell the trustee the whole truth (even about having gambled away some money) and you'll be fine. Don't sugar coat it, don't get creative, just tell it like it is. If you start changing your story like this under oath, you may find yourself defending fraud and perjury.

[fltoo]

Ok, I thought I had read that you charged on someone's cards and then paid them back with the two checks.

Now please understand we are not trying to upset you but just make you aware that this transaction of paying friends back is a insider payment.

Insider payments have a one year look back period, not the regular 90 days, and therein lies the problem.

Try not to be upset but discuss all with the attorney and you can definitely work around the problem. I was besides myself when I realized I could not file for two years, but after I calmed down, I realized it was no big deal.
Mine was not only a preferential payment but considered a fraudulent transfer, hence the two year waiting period.

My transfer was really very innocent, not intending to commit fraud, but, hey, that's the BK rule and we have to abide by it.

[Frogge]

You can look back at all my questions - I have nothing to hide. Frogge you answered one of my questions and actually said "you have asked the same questions over and over". Well, see maybe I am just a nice person and understand when someone is going thru bad times that maybe they get nervous and ask alot of questions. Sorry if I bothered you by asking the same question. But if it was me I would never make someone feel like S*** for asking the same question. I would think gee, they must really be upset and scared.

Anyway, I am not looking for other people to gang up on me, My reposnse was to Cali. i appreciate each and everyone of your answers, but when someone lashes back at me and insinuates that i am lieing, yes i take that to offense.

I also just said I understand you're scared. No one's trying to gang up on you, suzy. You took Cali's response the wrong way, that's all. If you see, everyone else that responded agrees that's what happened.

Please don't leave, we can help each other. I just think you are quick to lash out right now because you ARE scared and upset. I feel you. You're not the first, -- if you look back on MY posts, I wrote about feeling awfully lost and upset not long ago. Sorry if I hurt your feelings, it was truly not my intention

[AngelinaCatHub]

Cali -
On your answer to Number 4 - Are you an attorney? Why would you say that "Maybe You told the attorney the money was given to you, when in fact it was your money in the first place?" What the hell??? Am I on trial with you. First of all, I have no reason to lie to anyone on here, otherwise what good would it do. Secondly, people ask questions to other people on here cause they are under alot of pressure and needing information and then you come along and through in a comment like that. I don't need to be irratated by your answer, cause in fact that was your intention was to be a wise A**. Thank god your not a trustee.

I was doing ATM withdrawls because my bank had complained to me on different occasions that they need additional time when I am looking for a large sum of money - meaning anything over 1000.00. So I didn't want to have to deal with it and it was my choice to do what I want. Its legal to go to the atm machine everyday if I want.

Furthermore, I had someone cash 2 checks for me cause I was away on those days and I left 2 checks at my house for them to cash.

Cali, if you would of read my questions, the one did say that they money was REDEPOSITED into my other account. So I am not lieing or hiding anything, MANNNNNN. How irratating. Just shaking my head....

OK, guys. I’ve read through this thread and NOBODY does ‘Cali’ like she was done! I am new here, more/less, but I have seen people attempting to get answers to abuse the system. I have also seen Mentors, Gurus, and the Admin, state, this place is not here to aid in felonious actions. Perjury is a felony. I feel for this person, but I do not condone her whipping out at those of us who have attempted to help her. I now understand those who put signatures about they are not giving legal advice, etc.. That being said, this person IS a gambler. Whether literal or with the ‘system’, she will lose.

My firm belief is, she need not go pro se as she is going to hang herself and I personally would not wish to compliment her or attempt to “humor” her, after she reamed out some of our best mentors. If she knows it all, let her stretch her own rope. There is no better forum for support than this. We do NOT support larceny. That is the way I see it.

‘Hub

[pa308]

I think if you review posts you will see that Cali is one of the most helpful people here. I also do not think she was being a wisea$$ as you indicate. Most of us here have been through the strains you are going through, but if you are looking for help Cali has had some experiences and is always willing to try to assist and give support

[fltoo]

This person is scared and nervous. Hub, you might mean well, but your post is unnecessary. You are setting up we and them camps for new members and IMO, this is not a good thing.

The same thing happened to the poor woman who wanted to know if she could bring her kids to the 341 meeting. The moderator stepped in and although I even disagree with the moderator's post that I felt propagated the issue, I had to back off and let the mod take over in what she thought was the right thing to do.

Then there was the one with the name calling which didn't sit well with me, either.

It seems to me that the best thing to do when someone gets this upset as the three I mentioned is to ignore their lashing out and try to persuade them to calm down so that they can read here and better educate themselves. That is how we can help them best.

I use this forum for information, but lately I don't like the way some posts have turned. There are so many forums where this kind of bantering is a daily thing. The mods have a hard enough time keeping up with all the posts and I think most people here try to respect that.

As in real life, some people can take the hard and cold truth and we can speak our minds, but some people need some sugar on the truth until they can face reality by themselves.