341 over!

[deepindebt]

I had my 341 meeting this morning. My lawyer met with me to review a few details and to make sure I brought my ssc and dl. We listened to a few cases before mine and the trustee was really hard on one person and asked a alot of questions a married women who was filing by herself. Then it was my turn, I filed for chapter 7 no assets, I am married and filed alone. The trustee asked questions about my spouses assets and I answered them honestly. He also asked if I transfered money or assets to my spouse or anyone else, 2004 tax returns, he told me not to cash the check until I spoke with my lawyer because I will have to pay a portion of the refund to the trustee.

It all went well and I just hope that I will get my discharge papers within 60 days and the case will be closed. The hard part was deciding to file for bk and the 341 meeting.

Though all this mess I made for myself, I learned a valuable lesson pay cash for items not charge them. I hated to file for BK but I needed to do it for my mental health and for my kids.

[pink_amulet]

Glad it went well !!!!

I know how you feel and filing, we felt the same way. But it's what was best for us and our boys. We are on our early 30's and the boys are both young, we rent and my oldest just started with the the questions....:"When will we get our own house?" those questions hurt ...so hopefully in 2 years we will have one!!!

We should get the discharge papers the same time...LOL ...happy new year to us...LOL


good luck
pink_amulet

[jennga]

Hi Deep,

I think the Trustee's are harder on women filing separate from thier spouse. I got all kinds of questions about where my husband worked what was his income etc, were the cars in his name, why not mine, I thought it would never end. My husband was there with me but not at the desk in front of the Trustee. My lawyer told me later that he was just trying to determine if we had transfered anything from me to him lately, which we of course hadn't. I had no idea I would be filing bk when I saw the lawyer, never crossed my mind. I thought I was seeing him to help me come clean with my husband about all my undercover spending and to find out how to not have to go to court and how to stop being called at work. I was shocked when he said file BK. I was just sick, but he made it sound all sort of normal given my situation and of course the idea of having a fresh start was very compelling. But I was astounded at the multitude of questions I was asked about my husband. anyway, glad it is over for you.

[bkfiler]

2004 taxes? the trustee gets some of that? what did you file? 7 no-asset?

why are the 2004 taxes not returned yet?

what would have happened if you set your taxes to 9 and didnt pay much at all and kept the money during the entire year? then it would be yours instead of his?

[pink_amulet]

2004 taxes? the trustee gets some of that? what did you file? 7 no-asset?

why are the 2004 taxes not returned yet?

what would have happened if you set your taxes to 9 and didnt pay much at all and kept the money during the entire year? then it would be yours instead of his?

We were told by our lawyer to make sure our 2004 refund was spent, which it was. I think the original poster may be talking about the 2005 returns, which some trustees want, not ours luckly, however again they trustee can only take a portions of the refund.

As for how many you claim....if you claim more and don't get a refund, they there is no refund for the trustee to take!! However we like getting the extra added bonus of a refund, so hubby claims zero.

good luck

pink_amulet

[deepindebt]

The trustee did not want our 2004 tax return, he wants a portion of our 2005 tax return.

Jennga - we were in the same boat. I kept my spending a secret from my husband too. I was 2 months pg (our oops)when he found out about all my spending secrets, he was very angry with me and I thought it was the end of our marriage. It was a long haul to get things back on track with the our marriage.
It took me over a year to declare BK, looking back I should of filed over a year ago but didn't. I am glad it is the secret is out and so is the BK, it is time to look forward to the future and not the past. To a clean slate!!

[jennga]

Yes Deep, I agree, it feels so much better to not have a big secret anymore. I didn't realize how moody it was making me, I felt so guilty all the time that anytime hubbie did or said something loving I felt so undeserving I was sabatoging the marriage. I was even prepared to divorce him because I was sure he would do it first when he found out the problem. Fortunately, there is a happy ending (or new beginning) to this story. He did call a lawyer when I told him, but not for a divorce, but to find out how to remedy the situation. BK had not entered my mind, now I must admit that suicide had! It's not really funny, but when I look at it now and realize that I honestly on numerous occasions wished myself dead rather than deal with the "problem"... I didn't know there was a way out. I am very thankful today that I didn't do anything drastic, so I can very truthfully say that filing BK saved my life and my marriage.

So hope all is going well with you in all areas, when is the baby due?

[jennga]

Deep, I realize after reading your post again that you probably had that baby last year sometime, hope all is going well

[deepindebt]

Yep she will be a year old on turkey day, it is so nice not to have secrets!! Dirty laundry is hard to keep secret!!!! Jennga, suicide crossed my mind too. I acted on it and ended up spending the night in the hospital and seeing a counsler and dr. I did not want to die, I wanted help!!!!!! I did get it but at the time I wasn't ready to admit that my secret was part of the problem. I blamed it on being bullied by my boss and my bully of a spouse!!

Since that day I have grown in so many ways!!! I have learned to stand up for myself, found God, and to enjoy my life!!! I have finally realized that the most important job that I will ever have is parenting!!! For those of you who are reading my posts please be honest with your spouse and your family about your money troubles and how you are feeling. Keeping my secret almost destroyed me and my family.

[AAAArt]

There's a saying. I don't know who said it first, but the saying is..."We're only as sick as our secrets".
Glad you both are getting better. Pat yourselves on the back! You done good!!! Art

[Minnymouth]

YES FOLKS, THERE IS "LIFE" AFTER BANKRUPTCY!!!

And yes, many of us have had the same "thoughts" you have about things - including me!!

I keep saying it's got to get better, cause I've seen most of the worse and handled it.

Good going folks, get you lives back to normal and happy....

Minny

[Genenco]

It all went well and I just hope that I will get my discharge papers within 60 days and the case will be closed. The hard part was deciding to file for bk and the 341 meeting.

Though all this mess I made for myself, I learned a valuable lesson pay cash for items not charge them. I hated to file for BK but I needed to do it for my mental health and for my kids.

WTG!!

Now enjoy rebuilding, it's not that hard.

[jennga]

Deep and Minnie, so glad we are all alive and well and on our way to being debt-free. Don't know about you guys but I sure felt very alone with the problem. It was so embarassing that I felt like I couldn't tell anyone.

Art, I have heard that saying "you're only as sick as your secrets" at some 12 step meetings before, it's a great reminder. Anyway, I sleep much better these days.