Audit please write me someone

[Lajazz947]

OMGOSH.....I went to see lawyer today to do last of papers. We filed on June12th 09 341 July 20th 09. He sits there and tells me I'm being audited. I almost freaked out. Needless to say I'm a nervous wreck. These need to be done and back to them in Tennesse by July 10th.They want all wage stubs 7 months prior to file date. Divorce decree and settlemnet papers and anything I got in it, all bank statements 6 months explaining any deposits of more than 500.00. My lawyer said it is just a random thing and that it won't effect my hearing date, but if not done I could get dismissed. PLEASE PLEASE someone write to me if this has happened. Did you get through it?? Man, I'm a poor single mom with a monthly income of 1647.00....I freaking lost my job last month too.

The only thing you have to worry about is if you have lied on any of your papers.

You should be as organized and cooperative as possible while turning in things on time.

I went through an audit and they looked at EVERYTHING. I was as neat as possible, turned in everything that they wanted in binders with tabbed sheets.

I made it as easy for them to see what they wanted. I also included a numbered cover sheet adressing and explaining each item that they requested and yellow lined bank items that they questioned, gave them a narrative summary and finally I was done with it.

There is only so much that they can ask you about. It's the same as an IRS audit. I went through an IRS expense audit WHILE I was in a BK audit.

I sent the IRS so much backup that I think they owe ME more money and they are behind in their response by 4 months now.

Hang in there, give them what they want and you will see that it will be over.

[MakinMeCrazy]

Justbroke... I have been working on this all evening. He did say it was a random thing. The paper he gave me says at the top US Dept of Justice. The company is out of Louisville Kentucky...I thought it was TN. I'm sending it to them when I'm done.It say I could get dismissed if I don't do it. Oh...there is a note at the back of paper saying every 1 in 1000 cases get audited and mine has. It says the info I provide in connection with my case is subject to examination by the Attorney General or his designee. I'm so afraid. I don't want to get dismissed.I did get money in a divorce settlement in 07....like 14000.00...but that went to pay more bills and my divorce Lawyer. Will that even matter???? OMG

ok..the last sentence is what I meant...she stated she received 14000.00 in 2007 as a settlement BUT spent it all.......my question is ....what is the look back on a large settlement like that.......I would have guessed one year, can they go all the way ack to 2007?thats possibly 2 years

[justbroke]

Hi. I just found this post and I have a question about it.....the large amount of money she received was in 2007 if I read correctly...this is 2009 ....how far do they go back? I thought only one year?

You may be confusing multiple things so I don't understand the reference. When you file, "cash on hand", is what the Trustee is interested in. So, if you received $14K, 2 years ago, and haven't spent it... the Trustee will try to take it (unless there's an exemption to cover it).

As far as your one-year statement, I think you're thinking of the insider preference issue. It doesn't apply here.

[MakinMeCrazy]

Hi. I just found this post and I have a question about it.....the large amount of money she received was in 2007 if I read correctly...this is 2009 ....how far do they go back? I thought only one year?

[denisejohn65]

Lawyer has not cld yet......so you don't think this is a dumb question to be asking him? What about my retirement going up 22.00 too? I bet he will think I'm dumb...oh well...I kind of am to a point in all this BK stuff.....

[justbroke]

You say what you lawyer instructs you. He may actually file an amendment before the meeting, and they'll all be correct. So, it depends.

[denisejohn65]

My Lawyer may call me today or I may have to have an appt. I gave him the numbers cuz I thought I got 1200.00...but according to my settlement papers which I dug out for my audit, it says 1300.00. So that would make everything off.The papers are already been filed with the court now. I wonder what my Lawyer will say and if he will have to fix all this and charge me a lot to do it. Here I go again....stressing. I don't want to have the hearing come and what would you say if they ask if they are right (the papers) ?????

[denisejohn65]

Ok......I will call him Monday....Thank you so much maybe I can try to chill a bit now.....would be nice...huh

[justbroke]

I just noticed on the income papers filed my alimony says 1200.00 suppose to be 1300.00 and my retirement went up about 22.00 dollars.As of May 1st. OMGOSH are these errors to worry about. If they ask me if it is true....what do I say??????

Check all your paperwork again. Talk to your lawyer. If there are errors, your lawyer will either correct them before the 341 Meeting, or make a statement during the 341 Meeting that they are incorrect and that you'll amend the schedules. If your attorney took all your numbers from the papers.. then they should be accurate. If not, talk to your lawyer. Transcription errors happen all the time. From what you write, yours don't amount to much.

[denisejohn65]

I just noticed on the income papers filed my alimony says 1200.00 suppose to be 1300.00 and my retirement went up about 22.00 dollars.As of May 1st. OMGOSH are these errors to worry about. If they ask me if it is true....what do I say??????

[denisejohn65]

According to that there is none. I also had a job to at the time...but not making much.2400.00 monthly income when filed, now 1747.00 in CO...huh....

[justbroke]

Do you mean 100k in just cc.

In "unsecured' debt, which is usually just credit cards.

Or total amount? I don't have that is cc.....not even close. Anyway, cuz my Lawyer told me to quit paying the bills if you are going BK on them.So I did.I have to pay the HOA and Electric on the condo. I mean.....will they want to know if I have money left to pay any other bills. I just don't get it?? I don't understand this part?? I mean could they want all this stuff before the hearing date??? I'm overwhelmed at times with all this stuff.I'm confused....as to how it all works.

No, they won't be asking if you can pay other bills. They look at your Schedule I and Schedule J to determine "what" money, if any, you have left over.

[denisejohn65]

Do you mean 100k in just cc. Or total amount? I don't have that is cc.....not even close. Anyway, cuz my Lawyer told me to quit paying the bills if you are going BK on them.So I did.I have to pay the HOA and Electric on the condo. I mean.....will they want to know if I have money left to pay any other bills. I just don't get it?? I don't understand this part?? I mean could they want all this stuff before the hearing date??? I'm overwhelmed at times with all this stuff.I'm confused....as to how it all works.

[justbroke]

What about this.....if my Lawyer says my alimony is exempt and my retirment is.Meaning they can't touch it right? I have been drawing it out everytime it is deposited....are they the tt going to ask where it is going? Like what am I doing with it when I draw it out? Will they ask me for reciepts and stuff? I use it for everyday living expenses....still pay HOA,electric, food, gas...spend on my son. I get like 1747.00 a month...not working right now.Please answer...justbroke...thank you.....mind is racing again.Sorry.......

If it's living expenses, don't worry at all. With no job, they could wonder where it goes, but it will be quite obvious. No worries. No one knows what questions will even be asked. I'm thinking that you won't be asked anything but the standard questions.

They may ask, but you say exactly what you say here. If they ask for receipts, you just say you have none. Trust me, the Trustee knows what "reasonable" expenses are for every category of expense. They do this for a living.

You are not a person who makes over $100K a year and discharging over $100K. Those are the people that they are looking at for "abuse" of the system. They are not looking to bother a divorced mom who doesn't have a job.

[denisejohn65]

What about this.....if my Lawyer says my alimony is exempt and my retirment is.Meaning they can't touch it right? I have been drawing it out everytime it is deposited....are they the tt going to ask where it is going? Like what am I doing with it when I draw it out? Will they ask me for reciepts and stuff? I use it for everyday living expenses....still pay HOA,electric, food, gas...spend on my son. I get like 1747.00 a month...not working right now.Please answer...justbroke...thank you.....mind is racing again.Sorry.......