sounds like you are good to go then. over 1 year with payments and you are fine.
will your income allow for chapt 7? will you be no asset?
will your income allow for chapt 7? will you be no asset?
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Im not an attorney or a trustee. You cant trust me either though!
[x] - Done with 341? Join the 60 Day Club! ___________[x] - Im Discharged! Whoo Hooo!
[x] - Poll: Should I File Pro-Se ____________________[x] - New BK Law: Median Income, Means Testing and Presumptive Abuse
[x] - Zombie Debt Collectors Dig Up Your Old Mistakes _-[x] - Bankruptcy Law Resource
[x] - Need A Fast Answer? Available 24/7!--__________[x] - Dont Be A Hero On Your Budget - You Wont Get An Award!
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i remember that my smallest one was very much less then that.Originally posted by FoolAndHisMoneyLast edited by bkfiler; 01-21-2006, 09:51 AM.Im not an attorney or a trustee. You cant trust me either though!
[x] - Done with 341? Join the 60 Day Club! ___________[x] - Im Discharged! Whoo Hooo!
[x] - Poll: Should I File Pro-Se ____________________[x] - New BK Law: Median Income, Means Testing and Presumptive Abuse
[x] - Zombie Debt Collectors Dig Up Your Old Mistakes _-[x] - Bankruptcy Law Resource
[x] - Need A Fast Answer? Available 24/7!--__________[x] - Dont Be A Hero On Your Budget - You Wont Get An Award!
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Originally posted by bkfiler
Yes, no asset. That's why I'm waiting as long as possible. They cannot take anything from me since I don't own any non exempt property. I'm over the median but with allowed expenses and my health & disability insurance expenses the test has me at positive $42 per month and my actual expenses are around the same.
I just want to see how other cases in my area turn out before taking the plunge.
Don't want to be a lab rat with these new laws
Last edited by FoolAndHisMoney; 01-21-2006, 09:32 AM.Comment
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i wouldnt want to be positive $42. i would want to be negative $200. keep looking for exenses you have missed. you dont need to be a 'see how cheap i can live' hero. if one expense is stripped by the trustee then you may end up in chapt 13.Im not an attorney or a trustee. You cant trust me either though!
[x] - Done with 341? Join the 60 Day Club! ___________[x] - Im Discharged! Whoo Hooo!
[x] - Poll: Should I File Pro-Se ____________________[x] - New BK Law: Median Income, Means Testing and Presumptive Abuse
[x] - Zombie Debt Collectors Dig Up Your Old Mistakes _-[x] - Bankruptcy Law Resource
[x] - Need A Fast Answer? Available 24/7!--__________[x] - Dont Be A Hero On Your Budget - You Wont Get An Award!
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also, if you are in the position to wait a total of 18 months from the last charge then i would say that would be ideal in almost any situation. it sounds like this may work for you as you also want to see how cases progress with the new law.Im not an attorney or a trustee. You cant trust me either though!
[x] - Done with 341? Join the 60 Day Club! ___________[x] - Im Discharged! Whoo Hooo!
[x] - Poll: Should I File Pro-Se ____________________[x] - New BK Law: Median Income, Means Testing and Presumptive Abuse
[x] - Zombie Debt Collectors Dig Up Your Old Mistakes _-[x] - Bankruptcy Law Resource
[x] - Need A Fast Answer? Available 24/7!--__________[x] - Dont Be A Hero On Your Budget - You Wont Get An Award!
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