tattoos and B-enhancement surgery

[brokemommy]

Are they considered a luxury purchase, what about B-implants? Any way to do a little pre bk planning on them? People transfer there student loans to credit cards to pre-bk plan, why can't I put a set on my credit card? I can get them done in Mexico for $3,000. Just wondering and wanting a truthful answer without someone calling out FRAUD.

[Bobby'sGirl]

The trip to Mexico would alone raise a red flag to trustee; see my response in your other post.

[SinkingFast]

We've had 2 events come up where we couldn't attend either one. We don't have a decent car that we would trust to take out of town, let alone across country. We would have had to rent a car for either trip. A funeral and a wedding, and we did not go.

We quit using CC's several months ago. You can rent a car on your Debit Card, but it will show on your Bank Statement. We did not want to have to justify to the Trustee why we did something so lavish as rent a car when we're filing for BK.

If you are at all considering filing BK any time in the not too distant future, you definitely wanna think in terms of what will raise red flags with the Court. Like BG said, a trip to Mexico alone will be like waving a cape in front of a bull. Much less having to explain the reason for the trip.

[JeepMom]

Fake Boobs yea, that'd go in the fraud pile. I hope this is a joke.

[brokemommy]

Fake Boobs yea, that'd go in the fraud pile. I hope this is a joke.

After proudly nursing two children both to around age two I have some serious issues. I have a hard time wearing certain garments due to my gravity problem.

[13inOR]

I agree, I would not risk it whatsoever.

[brokemommy]

We quit using CC's several months ago. You can rent a car on your Debit Card, but it will show on your Bank Statement. We did not want to have to justify to the Trustee why we did something so lavish as rent a car when we're filing for BK.

Is it really that bad, I can't believe you are not able to rent a more dependable car for safety reasons for a trip. Avis has cars for $19.95 unlimited miles per day.

[brokemommy]

The trip to Mexico would alone raise a red flag to trustee; see my response in your other post.

okay, maybe I see a trip to mexico as unneccessary, if I do it in US, surgery is $7,000. I have that credit available on Citibank. I haven't totally commited to filing yet? If that one person can buy exotic cars and all kinds of other crap, why can't I do this one thing?

[FoolAndHisMoney]

To answer your fraud questions, anytime you incur debt with no intention on paying that's what is considered fraud regardless of what it's used for. The courts mostly don't consider certain necessities that were charged fraud since bankrupt debtors don't have money and they absolutly needed some things like food, gas or a new suit or dress for a job interview.

Pre bankruptcy planning is usually where a debtor anticipating bankruptcy has some non exempt assets or some money in the bank that they can exempt to help with their fresh start such as repairs, food, fuel, etc.

If you pre-plan taking on new debt, then filing that's fraud. Whether you get caught or not is up to the creditor.

As Minny mentioned I wouldn't really come here to give or get any advice on how to commit fraud. If you want to roll the dice on your own that's your business.

[SinkingFast]

Is it really that bad, I can't believe you are not able to rent a more dependable car for safety reasons for a trip. Avis has cars for $19.95 unlimited miles per day.

Try cramming a family of 6 into one of those $19.95/day cars.

And you obviously don't know about the 70/90 day rules. 70 days on Cash Advances and Convenience Checks use. 90 days on CC charges. Those are the Presumption of Abuse periods. You file within those time periods, the burden of proof falls on you. You file after those time periods, the burden of proof shifts to the Creditors.

Any wonder why we haven't used CC's for months??!!

[SinkingFast]

okay, maybe I see a trip to mexico as unneccessary, if I do it in US, surgery is $7,000. I have that credit available on Citibank. I haven't totally commited to filing yet? If that one person can buy exotic cars and all kinds of other crap, why can't I do this one thing?

That's a flaw of the New Law.

The fancy, expensive car is Secured. And the New Law gives preference to Secured Creditors.

New boobs charged on your Citi card would be an unsecured debt.

Let's say you do charge $7K for new boobs and file within 90 days,....... You're gonna be a sure fire candidate for a Creditor Objection and a Court investigation for Fraudulent BK Filing.

[anonymuse]

Implants and tatoos??!! Give me a break.

Guess the creditor can't ask for them back! LOL

[brokemommy]

To answer your fraud questions, anytime you incur debt with no intention on paying that's what is considered fraud regardless of what it's used for. The courts mostly don't consider certain necessities that were charged fraud since bankrupt debtors don't have money and they absolutly needed some things like food, gas or a new suit or dress for a job interview.

Pre bankruptcy planning is usually where a debtor anticipating bankruptcy has some non exempt assets or some money in the bank that they can exempt to help with their fresh start such as repairs, food, fuel, etc.

If you pre-plan taking on new debt, then filing that's fraud. Whether you get caught or not is up to the creditor.

As Minny mentioned I wouldn't really come here to give or get any advice on how to commit fraud. If you want to roll the dice on your own that's your business.

Okay, I am really focusing on your post and sinkingfast twice, I read that if I have no intention to pay it back I am in trouble????


But then sinkingfast posts those rules, that yes I am aware of??

I am confused???

What is missing here, get boobs file in six months, I have enough cash to get by I figured it out, by how much I am going in the hole each month.

[brokemommy]

Try cramming a family of 6 into one of those $19.95/day cars.

And you obviously don't know about the 70/90 day rules. 70 days on Cash Advances and Convenience Checks use. 90 days on CC charges. Those are the Presumption of Abuse periods. You file within those time periods, the burden of proof falls on you. You file after those time periods, the burden of proof shifts to the Creditors.

Any wonder why we haven't used CC's for months??!!

Sinkingfast I am focusing on yours and foolandhismoney, he says bad Idea but I am aware of the rules you just posted.

So this is a viable concept to bk after boobs six months later, what is the problem except if I get them with the intention of not paying for them????
I am hoping my husbands gets back to work, but in the back of my mind, judging the job market I think I know likelyhood of that happening. So I get boobs, hope hubby works, if not I file in six months, whats the problem????????????

[anonymuse]

Maybe bad kharma and a risk of having the trustee delve deeper into your case and denying the BK?