will I get in trouble?

[mamay]

[Whittio]

Good question!! Wow, I can't wait to hear the answer for this one. I haven't seen this addressed anywhere.. I know as a teen, I applied for cards and said I made more then I did! I bet loads of people do!

[originalhealer]

I know that they can reject your bankruptcy if they suspect fraud. But, being that I'm single, I don' really know...but isn't it normal for married people to add their incomes together when they apply for stuff?

[mamay]

I know that they can reject your bankruptcy if they suspect fraud. But, being that I'm single, I don' really know...but isn't it normal for married people to add their incomes together when they apply for stuff?

Exactly what I did with all those cc I added my and hers incomes together when I applied for stuff because she either was not available or she was working or not willing to go with me when I used to applied.

[hhou812hh]

It generally is fraud, but how long did you have the cards and when was the last purchase you made with them and how large was the purchase? If you had these cards for several years then it shouldn't matter. If you recently applied for them in the last year or so, that could be a problem since the trustee usually wants to see your tax returns.

Yes, be upfront with your lawyer. He's getting paid to give you advice not get you into trouble. Under a chapter 13 (in it's present form) even if it's fraud the cc companies can't dispute it. At the worst case you may have to fund a chapter 13 for 3 years.

[Whittio]

I vaguely remember something about laws in California.. let me tell you what happened, it may apply here.

I went to get a cell phone, they put it in my name, but since I don't have any income, they used my husbands income. They said something about California, if you're married, I could actually even apply for it in HIS name because it's joint ownership?? I don't know if that's correct, it was a year ago, and my brain loses things frequently. Anyway, I don't know what state you're in, but maybe there's something similar there?

Oh, and don't the applications say, "Household income".. then you used your household income!

[mamay]

It generally is fraud, but how long did you have the cards and when was the last purchase you made with them and how large was the purchase? If you had these cards for several years then it shouldn't matter. If you recently applied for them in the last year or so, that could be a problem since the trustee usually wants to see your tax returns.

Yes, be upfront with your lawyer. He's getting paid to give you advice not get you into trouble. Under a chapter 13 (in it's present form) even if it's fraud the cc companies can't dispute it. At the worst case you may have to fund a chapter 13 for 3 years.

last time I got a card was in 2003 and my last purchase was an airline ticket($500) about 2 weeks ago to see my sick mom who I will go see in about two weeks due to work schedule.(I was not counting on this trip).

Yes, I will tell my lawyer about it.

[mamay]

I vaguely remember something about laws in California.. let me tell you what happened, it may apply here.

I went to get a cell phone, they put it in my name, but since I don't have any income, they used my husbands income. They said something about California, if you're married, I could actually even apply for it in HIS name because it's joint ownership?? I don't know if that's correct, it was a year ago, and my brain loses things frequently. Anyway, I don't know what state you're in, but maybe there's something similar there?

Oh, and don't the applications say, "Household income".. then you used your household income!

Yes, same thing happened to me when I bought my camry the car saleman wanted to give him my wife's income too which I did and there's no Toyota account in her credit report by the way. Yes, where the application say, "Your Annual Income I used both incomes instead.

[HHM]

Technically yes, it could be problematic as one reason to deny discharge of a particular debt is for misrepresentation on a credit app. However, its rare that anyone catches it. (honestly, most credit card companies don't even keep a copy of the app).

If you have had the cards for a few years, I don't think you will run into any problems.

However, the worst case scenario is that some of the credit card debt does not get discharged and you have to pay it back. (your not going to get prosecuted for BK fraud or anything like that). So really, there is no down side to filing, if you don't file, you have to pay it back, and if you file, and some of the credit card companies catch the mistake, you will still have to pay it back. BUT, if they don't catch the mistake, the debt gets discharged.

[mamay]

Technically yes, it could be problematic as one reason to deny discharge of a particular debt is for misrepresentation on a credit app. However, its rare that anyone catches it. (honestly, most credit card companies don't even keep a copy of the app).

If you have had the cards for a few years, I don't think you will run into any problems.

However, the worst case scenario is that some of the credit card debt does not get discharged and you have to pay it back. (your not going to get prosecuted for BK fraud or anything like that). So really, there is no down side to filing, if you don't file, you have to pay it back, and if you file, and some of the credit card companies catch the mistake, you will still have to pay it back. BUT, if they don't catch the mistake, the debt gets discharged.

Okay thanks. I'll talk to the Lawyer.

[mamay]

another ? and concern.

Hi, I have a concern and question before I go talk to a lawyer.

Will I loose my Toyota camry when I file for capter 7 ?( if I qualify for it) do I get to keep it?. I bought it in Nov 2002. Also now that I remember I lied in the Application claiming I had two jobs (with the help of the car salesman) at the time of my purchase.

Plaese advice.

[HHM]

As long as you are current on the payments and any equity that may be in the car is within your state's exemption, and you are able to continue to make the payments, you should be able to keep it.

[mamay]

Thanks for the info!