Let's say that I did have some frivilous charges

[swampwiz]

I looked back over the year and saw that I had paid folks on Paypal about $1K for various things (generally my hobby things.) So let's say the trustee deems this as frivilous. Wouldn't all he do is get that amount to be non-dischargeable? OK, so in my case, I would just get $34K instead of $35K for the home exemption, or I would be needed to pay $1K after BK. Big deal!

[nc73]

Ok you're just a wee bit paranoid there. I wouldn't lose any sleep over it. Just look around the forum and you'll see what I mean.

[pookieny]

I've bought tons of stuff on ebay with Paypal before my bankruptcy.

It never came up and I am discharged.

[Amy26]

I dunno the number of posts this guy has made about odd things has me wondering....

[whipster1]

I dunno the number of posts this guy has made about odd things has me wondering....

Yep been saying that since day one. He is not working and telling us about all the charges he has made in the very recent past....and wondering if any red flags will get raised.

[Amy26]

I see red flags everywhere... seems kinda shady asking about frivilous charges and using credit cards for this and that before hand.... seems like they want us to tell them how to circumvent the system.

[swampwiz]

No, I'm just paranoid. I'm usually the type of person who is an extraordinary user of finance. In fact a few years back (when I had a decent income year), my bank called me and asked if I wanted to refinance my 2nd mortgage. I explained my use of low interest balance transfer deals, and how it was better to keep my debt there and in the then current 2nd mortgage. He said something to the effect that I was a very astute user of credit. And had I not hit this recession when I really needed to get a modestly decent job (at about 5/8 of the pay I had used to get) and made a poor decision to invest after the big drops in the stock market of Sep-Oct 2008, I probably would not be in the situation I am in now.

[OhioFiler]

No, I'm just paranoid. I'm usually the type of person who is an extraordinary user of finance. In fact a few years back (when I had a decent income year), my bank called me and asked if I wanted to refinance my 2nd mortgage. I explained my use of low interest balance transfer deals, and how it was better to keep my debt there and in the then current 2nd mortgage. He said something to the effect that I was a very astute user of credit. And had I not hit this recession when I really needed to get a modestly decent job (at about 5/8 of the pay I had used to get) and made a poor decision to invest after the big drops in the stock market of Sep-Oct 2008, I probably would not be in the situation I am in now.

Well I'm sure the telemarketer was well qualified to judge you that way.

It is not astute to float debt from one credit card to another with teaser rates. Make one payment late and your interest rate far exceeds a 2nd mortgage.

You want to believe your problems are merely the result of the current recession and a drop in some stock values in September and October 2008. With all due respect, you are sadly mistaken. Your financial problems are significantly more complicated than that.

[Flamingo]

No, I'm just paranoid. I'm usually the type of person who is an extraordinary user of finance. In fact a few years back (when I had a decent income year), my bank called me and asked if I wanted to refinance my 2nd mortgage. I explained my use of low interest balance transfer deals, and how it was better to keep my debt there and in the then current 2nd mortgage. He said something to the effect that I was a very astute user of credit. And had I not hit this recession when I really needed to get a modestly decent job (at about 5/8 of the pay I had used to get) and made a poor decision to invest after the big drops in the stock market of Sep-Oct 2008, I probably would not be in the situation I am in now.

That may have been at one time but it certainly is not now and even that is questionable because savvy investors moved all their money in 9/07 out of the stock market and lined up all their ducks in a row at that time not to lose money. Most of your postings are contradictory to others you have made and some of the things you posted have been all over the place. If you are truly despondent, you need your situation fully evaluated by an attorney to advise you exactly where you stand, where/if you should file, and what you can and cannot do.