Hello everyone.
First, let me say that I really appreciate this board. I just found it yesterday and it has been a world of help. I just finished (I believe) my last page of my chapter 7 bankruptcy paperwork and took the day off tomorrow to go and file. I do have some concerns and questions that I have been “googling” and asking people about. I have done some searching but either I can’t find the answers to these questions or the answers have been vague and/or conflicting. Since I just found this website I am going to post my questions here and hope to get responses. Any input would be greatly appreciated. Here I go:
• I have a judgment and a garnishment that just started on my income. Is there somewhere special within the BK paperwork (schedule E, schedule F?) that I should include the judgment? I already have the original creditor and collection agency listed but I don’t see anywhere to specifically list the judgment or the fact that a garnishment is happening. Should I list the court in the list of creditors on the BK? Or what about the list of creditors that gets the notice?
• Naturally, I want the garnishment to stop ASAP. I am going to write a letter to the debt management department of my job after I file explaining that I filed. What do I have to include from the BK for them to stop the garnishment? Is it as simple as including the stamped BK papers or is there a specific form I will receive?
• Assets/exemptions: I read on a separate post on this forum that each asset in your household should be itemized separately (televisions, furniture, appliances). Is this true? I’ve read several books and purchased another that just had generalized terms like “household items” and a value. I did this for both assets and exemptions. If I have to break down my entire household item by item that could take 10+ pages for both assets and exemptions sections. I’m focusing on household items with this question. I know I need to be specific about vehicles and jewelry. If I don’t itemize, will this cause me any problems?
• Is there anything special we have to bring with us to file? My wife and I will bring our ID’s and SS cards but do we need anything else not listed in the BK paperwork? We have paystubs included. Do we need to bring past taxes? Do we need to make multiple copies of the BK paperwork? Bank statements?
• How long does it take to file? I know that there might be 100 people ahead of me in line so telling an exact time is impossible. However, if people who have filed could give me an estimate of how long it takes to file once someone starts helping you, I would appreciate it.
• Any other thoughts? Is there anything I should know about that isn’t listed in the books or in the general FAQ’s on BK websites? Any personal insight could help a great deal.
I have read a lot of the posts on this board and am really appreciative of the fact that this board even exists. I’d rather not have to file BK without an attorney or at all for that matter but circumstances have given my family no other choice. Once we get this garnishment stopped and our debts discharged, we will be well on our way to a better life. I am nervous to borderline terrified about making a mistake on the paperwork or in filing tomorrow.
First, let me say that I really appreciate this board. I just found it yesterday and it has been a world of help. I just finished (I believe) my last page of my chapter 7 bankruptcy paperwork and took the day off tomorrow to go and file. I do have some concerns and questions that I have been “googling” and asking people about. I have done some searching but either I can’t find the answers to these questions or the answers have been vague and/or conflicting. Since I just found this website I am going to post my questions here and hope to get responses. Any input would be greatly appreciated. Here I go:
• I have a judgment and a garnishment that just started on my income. Is there somewhere special within the BK paperwork (schedule E, schedule F?) that I should include the judgment? I already have the original creditor and collection agency listed but I don’t see anywhere to specifically list the judgment or the fact that a garnishment is happening. Should I list the court in the list of creditors on the BK? Or what about the list of creditors that gets the notice?
• Naturally, I want the garnishment to stop ASAP. I am going to write a letter to the debt management department of my job after I file explaining that I filed. What do I have to include from the BK for them to stop the garnishment? Is it as simple as including the stamped BK papers or is there a specific form I will receive?
• Assets/exemptions: I read on a separate post on this forum that each asset in your household should be itemized separately (televisions, furniture, appliances). Is this true? I’ve read several books and purchased another that just had generalized terms like “household items” and a value. I did this for both assets and exemptions. If I have to break down my entire household item by item that could take 10+ pages for both assets and exemptions sections. I’m focusing on household items with this question. I know I need to be specific about vehicles and jewelry. If I don’t itemize, will this cause me any problems?
• Is there anything special we have to bring with us to file? My wife and I will bring our ID’s and SS cards but do we need anything else not listed in the BK paperwork? We have paystubs included. Do we need to bring past taxes? Do we need to make multiple copies of the BK paperwork? Bank statements?
• How long does it take to file? I know that there might be 100 people ahead of me in line so telling an exact time is impossible. However, if people who have filed could give me an estimate of how long it takes to file once someone starts helping you, I would appreciate it.
• Any other thoughts? Is there anything I should know about that isn’t listed in the books or in the general FAQ’s on BK websites? Any personal insight could help a great deal.
I have read a lot of the posts on this board and am really appreciative of the fact that this board even exists. I’d rather not have to file BK without an attorney or at all for that matter but circumstances have given my family no other choice. Once we get this garnishment stopped and our debts discharged, we will be well on our way to a better life. I am nervous to borderline terrified about making a mistake on the paperwork or in filing tomorrow.
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