Do you have to supply copies of bank statements?

[hopejones]

Between us, Hubby & I have 3 checking accounts and 1 savings account. We filed Ch7 last month but our attorney never asked for copies of our bank statements. He just asked what the balance was in the accounts. I keep reading post here that are mentioning submitting copies of bank accounts. Should we be concerned?

[outsidetool]

Well, I sure had to provide copies of bank statement; they were listed on my attorney's initial intake sheet (along with copies of paycheck statements, taxes, and a few other things.) Did you already have your 341? My attorney had my bank statments when I retained him and filed, but the trustee asked to see the copies again at our 341 meeting (my attorney had them). I filed, my wife did not, but I had to supply copies of her checking account statements also.

[hopejones]

Wow, we've already had our 341...it was about 2 weeks ago on 1/14/09. The trustee didn't mention our checking/savings accounts.

[outsidetool]

Well, perhaps it won't be an issue then. If your attorney never asked/insisted on them, and the Trustee didn't ask at this point, then maybe no one cares. In my case we were way over median income, and like I mentioned my wife did not file. So I know they were rather interested in our cash flow. I know they looked at our statements and did in fact send some questions to my atty regarding some of my wife's expenses, both as claimed on our budget/means test as well as her checking account (in the end, my wife (who's like double pissy) told the trustee, me and the court to butt out of her finances--she didn't file, I did, and she wasn't changing her ways and spending habits to pay my bills). Anyway, I guess at this point you can just wait and see if anyone asks for the statements.

[lrprn]

Wow, we've already had our 341...it was about 2 weeks ago on 1/14/09. The trustee didn't mention our checking/savings accounts.

You're fine. Often bk lawyers will request copies of your accounts for some # of months back before you file to see where your expenditures and withdrawals have been. Some (like yours) assume you are telling them the truth and don't request account printouts.

Same goes for trustees. A few do ask for account printouts before your 341, but most trustees only ask you to bring a form of ID with a picture on it and your SS card to the 341.

If your 341 has already come and gone without a request for your account printouts, then it's 99% that you're fine. (I never say 100% - it's a superstition of mine.) So don't stress, ok?

[xboxfan]

My BK lawyer didn't ask to see statements either. Just asked about the balance on the accounts at the time of filing.

I did get a letter from the lawyer shortly before my 341 that said to bring copies of the bank statements that covered the filing date because the trustee would ask for them. However, the trustee never asked to see them.

I'm glad that this question was posted, because I was wondering the same thing.

[anime-chicka]

Well, perhaps it won't be an issue then. If your attorney never asked/insisted on them, and the Trustee didn't ask at this point, then maybe no one cares. In my case we were way over median income, and like I mentioned my wife did not file. So I know they were rather interested in our cash flow. I know they looked at our statements and did in fact send some questions to my atty regarding some of my wife's expenses, both as claimed on our budget/means test as well as her checking account (in the end, my wife (who's like double pissy) told the trustee, me and the court to butt out of her finances--she didn't file, I did, and she wasn't changing her ways and spending habits to pay my bills). Anyway, I guess at this point you can just wait and see if anyone asks for the statements.

That sounds a lot like my husband. He did sort of the same thing when he was questioned as to why he had two credit cards. One is his credit card, the other was a BT for his car loan so he could get a lower rate.

What did the trustee say when your wife told them to butt out?

[outsidetool]

That sounds a lot like my husband. He did sort of the same thing when he was questioned as to why he had two credit cards. One is his credit card, the other was a BT for his car loan so he could get a lower rate.

What did the trustee say when your wife told them to butt out?

Keep in mind that there were some "issues" shall we say with my situation. My wife and I's relationship has been a bit on the rocks, and mostly due to finances. My wife pretty much does what she wants with her money; and while she doesn't go out shopping for pricey clothes, she does have her ways and wants. Two years ago she bought a new house; when we met 7 years ago i moved in to the house she had a mortgage on then. To make a long story short--I blame her for pulling my finances apart, and she blames my finances for making her situation rough. Two-way street i guess. In the end I filed Ch 7 and she wanted nothing to do with it. So when the Trustee started asking for a bunch of her info, she was rather unhappy. When I told her that the Trustee had informed my atty that they were likely to motion for dismissal/conversion to 13, and that they seemed to not like her level of spending on some things, she wrote them a letter. She made it clear that her income was not going to be used to pay off my bills. The trustee's office, with some prodding I believe from my atty, realized this was going no where and backed down. The fact is, divorce is on the horizon. Having me in a 13 relying on part of my wife's (ex-wifes?) income to pay unsecured creditors was not going to work for very long.

[jennordhavn]

I filed pro se, but I did not have to provide bank statements to the trustee. I'm in N. Dist. CA.