Well, tomorrow is the day... I go at 1130, and I am VERY nervous.
I don't have anything to hide, and I was as honest as I could be on my schedules. (I have a gambling problem, and tried to accurately report losses, but not sure if I got them ALL)...
All but one of my credit cards were not used since March, and I filed on 10/14, so I hope no issues there.
I do have a checking account than I became overdrawn due to gambling transactions in July, it was charged off in August, and after all fees and everything came to 2300... I hope thats too small amount for them to come after me, but we shall see.
I also have a credit card that I opened in July, and ran up a 900 balance, after late charges, over limit fees, it was charged off at 1100...
So basically two accounts that I am worried about.. I have posted before, and have had great advice, but I just need some more help and encouragement on the night before my meeting.
As for fraud, I don't think they have me on anything, because I didnt decide to file until late August beginning of September... My medical bills from an emergency surgery I had started rolling in, Citi bank and Bank of America increased my minimum payments, and then the gas shot up in light of the hurricane which increased my gas money by 100/monthly... and then I decided to file... all charges were done before my decision...
Thanks in advance for your help and support, I really need it right now, as I am scared sick.
I don't have anything to hide, and I was as honest as I could be on my schedules. (I have a gambling problem, and tried to accurately report losses, but not sure if I got them ALL)...
All but one of my credit cards were not used since March, and I filed on 10/14, so I hope no issues there.
I do have a checking account than I became overdrawn due to gambling transactions in July, it was charged off in August, and after all fees and everything came to 2300... I hope thats too small amount for them to come after me, but we shall see.
I also have a credit card that I opened in July, and ran up a 900 balance, after late charges, over limit fees, it was charged off at 1100...
So basically two accounts that I am worried about.. I have posted before, and have had great advice, but I just need some more help and encouragement on the night before my meeting.
As for fraud, I don't think they have me on anything, because I didnt decide to file until late August beginning of September... My medical bills from an emergency surgery I had started rolling in, Citi bank and Bank of America increased my minimum payments, and then the gas shot up in light of the hurricane which increased my gas money by 100/monthly... and then I decided to file... all charges were done before my decision...
Thanks in advance for your help and support, I really need it right now, as I am scared sick.
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