Bank Statements...did they look at yours?

[Genenco]

I think the concensus is, if you're self-employed, you'll have to have a cart to carry things in to the UST to see...Heh!

But in regards to the Ch 7's I'm seeing people are prepared, but they don't have to go to extremes unless they had things occuring in the recent past that raises flags.

I think I'll change my mind and start getting ready myself. I filed 2007 and can get trans script, 2008 in coming soon, man that'll be interesting. Had 3 employers...

Have done one thing smart, every week I get paid (Direct deposit) I just chuck the advices into a drawer...Nothing else goes in there, just looked and have 17 weeks worth so far..Plus having computer access to bank accounts, can download info for trustee and so should be ok...Just gotta get new info from credit reports for the odd occurance (Judgements and such) and I guess I'll be good to go...

[MNBK7guy]

The trustee in my case never asked for bank statements but at the 341 asked for them, I was glad i brought them. He asked for the last 3 months worth for each account, looked at each of them for about 2 seconds and handed them back to me.

[Intoodeep80]

FloridaGuy is right. I had to provide 2 years bank statements, 4 yrs tax returns (corp and individual as I am self employeed), 3 yrs cc statements, 10 years of real estate purchases and sales, 4 yrs vehicle purchases and sales, etc, etc. It was about 4 reams of copies - took up an entire file box, letter sized. I am in S. Fl. so maybe it is a Fl thing??

HOLY SHAMOLY!!!

[StartingOver08]

We initially gave out attorney 6 months worth of statements... about a week after filing the trustee requested back 14 months, as well as two years of tax returns, and ALL checks for all checking acounts for all 14 months as well.

It all depends on your trustee and district I suppose.

FloridaGuy is right. I had to provide 2 years bank statements, 4 yrs tax returns (corp and individual as I am self employeed), 3 yrs cc statements, 10 years of real estate purchases and sales, 4 yrs vehicle purchases and sales, etc, etc. It was about 4 reams of copies - took up an entire file box, letter sized. I am in S. Fl. so maybe it is a Fl thing??

[FloridaGuy]

even longer

We initially gave out attorney 6 months worth of statements... about a week after filing the trustee requested back 14 months, as well as two years of tax returns, and ALL checks for all checking acounts for all 14 months as well.

It all depends on your trustee and district I suppose.

[2live]

I retained an attorney to file in March who said he would need 6 months of statements and pay stubs. Seems like once it gets to the trustee they focus on 60-90 days if at all.

[bkchap7filer]

In MO, I was asked for 6 months of pay stubs. Bank statements only from the day of filing....no others.

[jennordhavn]

I filed pro se and was surprised that the letter from the Trustee did not ask for copies of bank statements. The Trustee asked for 60 days of paystubs prior to filing plus most recent paystub, and copies of 2007 state and federal tax returns. Plus I had to fill out a questionnaire. I printed out a year of bank statements to be safe and have them in my file, but have not been asked for them yet.

[Flamingo]

Geez, the discrepancy as to providing statements in BK is something else. We had to provide our attorney with one year of bank statements and explain deposits, withdrawals and checks written/debits over a certain amount (averaged $500). Our attorney stated that was what is required by the Trustee for Chapter 13's. The same for credit card purchases and cash advances (one year). Be prepared for anything as to this and do not hesitate to provide any information asked for and always be honest about the information you need to provide.

I remember standing at the copier copying bank statements and having to go through all that and marking deposits, checks written, debits, etc....lots of work.

[fathergolf]

Trustee only glanced at the date we filed on our statements, lawyer had 6 months.

[AngelinaCat]

No bank statements? Wow! We had to give our attorney 6 months of bank statements plus 6 months worth of paystubs / pay advices. I also collect Unemployment, and she wanted a 6 month itemized statement of that as well. The Unemployment agency does NOT provide that info--at least here in Florida--just a summary of the last transaction. So the attorney had to be satisfied with our notation of those payments on the bank statement.

We were also told to have our bank account as close to a zero balance as possible on the day we filed--we had a negative balance. We also had to tell how much cash we had with us--about $10.00 between the two of us.

At our 341, the trustee looked over the paperwork, and asked: "Who gets the Social Security?" 'Hub does. "Who gets the Unemployment?" I do. Other than a question about a yearly stipend from an insurance annuity, that was about it, as I recall.

Good luck!

[sick of debt]

No bank statements in RI

[TEW]

my lawyer wanted 6 months of everything. I think she looked at a 1/4 of the stack i gave her. The paralegal on the other hand grilled me on everything. She was good kind of reminds me of that pink talking bird we have here.

[SubPrimeME]

Mine went back six months, but not until the UST became involved.

Help! The more I read about your BK the more I wonder how you survived! Did you meet the president of capital one per chance?

I had 6 mos as well, at the 341 the trustee wanted to see the balance on the day we filed. Glanced and that was it.

[Help!]

Mine went back six months, but not until the UST became involved.