Trustee, bank staments, and cash withdrawls....oh my!!

[pink_amulet]

[bezoar]

GF was instructed to bring her last 3 bank statements prior to the filing date (not the 341 date). She filed 8/31, so we brought June, July & August.

[StaciMM]

I looked up IL's exemptions & found 2 things that should cover you:

WAGES
Minimum 85% of earned but unpaid wages; bankruptcy judge may authorize more for low-income debtors
740-170/4

For PTO it might be argued that the amount was earned before filing, making it an asset of the BK estate. (Forgive me if I don't use the correct terms.) But you can claim 85% of it as exempt.

WILD CARD
$2,000 of any personal property
735-5/12-1001(b)

Also, if you didn't use the WC for anything else, you could claim that towards a tax refund. Assuming you filed on 9/29 then the court would normally be able to claim 75% of your refund as you filed at the end of the 9th month. So, by using your $2000 WC, the first $2,666.67 of a refund would be clear. (And I believe the only part of the refund that is subject to the BK is actual 'income tax' NOT EIC or child tax credits.)

You could amend your petition, include these items as assets, and claim exemptions for them...