I filed on 9/16. My 341 is Oct. 25th.
When I got notification from my lawyer, the letter said to bring ss card, driver's license, proof of value of home, recent tax return, and bank statement showing balance on the date of Case filing. Got it all. He also enclosed a Trustee Information Sheet for my state's District. At the top, it says, All Questions to be Answered as of Date of Case Filing.
Okay, here are my dilemmas:
Q. 4--Vacation pay owed. Does that mean vacation time and what it would equal in pay? Husband has two weeks vacation left. What do I put?
Q13 reads: Did Debtor(s) pay any unsecured creditor more than $600 within 90 days immediately preceding the Case filing?
As stated in a previous thread, I did, but only because I was making monthly payments to creditors; some 200 per month, one at 343 per month. So yes, I did pay more than 600 within 90 days. Should I state this?
Q16 reads: List all income received from sources other than employment.
As some of you know, I did take out a loan from my life insurance policy of 4800 to pay my lawyer and catch up on bills. Should I write this down? Or is it not considered "income?" I just don't know.
Finally, (and my worst fear one)--they want to know how much "cash on hand" I had on the day of filing. Well it happens that we left town that Friday for a visit to the in-laws, so I did have around 500-600 dollars on me. On the bank statement that I am to bring showing my balance as of 9/16, it shows a cash withdraw of 350 dollars on 9/14. Lawyer told to me have balance below a hundred dollars. So I just went and took the money out. Will I be questioned on it? And what do I say about how much cash I had? Is the 500-600 in question now up for grabs?
Any input would be greatly appreciated. Thank you.
When I got notification from my lawyer, the letter said to bring ss card, driver's license, proof of value of home, recent tax return, and bank statement showing balance on the date of Case filing. Got it all. He also enclosed a Trustee Information Sheet for my state's District. At the top, it says, All Questions to be Answered as of Date of Case Filing.
Okay, here are my dilemmas:
Q. 4--Vacation pay owed. Does that mean vacation time and what it would equal in pay? Husband has two weeks vacation left. What do I put?
Q13 reads: Did Debtor(s) pay any unsecured creditor more than $600 within 90 days immediately preceding the Case filing?
As stated in a previous thread, I did, but only because I was making monthly payments to creditors; some 200 per month, one at 343 per month. So yes, I did pay more than 600 within 90 days. Should I state this?
Q16 reads: List all income received from sources other than employment.
As some of you know, I did take out a loan from my life insurance policy of 4800 to pay my lawyer and catch up on bills. Should I write this down? Or is it not considered "income?" I just don't know.
Finally, (and my worst fear one)--they want to know how much "cash on hand" I had on the day of filing. Well it happens that we left town that Friday for a visit to the in-laws, so I did have around 500-600 dollars on me. On the bank statement that I am to bring showing my balance as of 9/16, it shows a cash withdraw of 350 dollars on 9/14. Lawyer told to me have balance below a hundred dollars. So I just went and took the money out. Will I be questioned on it? And what do I say about how much cash I had? Is the 500-600 in question now up for grabs?
Any input would be greatly appreciated. Thank you.
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