Just Signed up 4 PACER~I am LOST!!! HELP

[lilgoose]

Would someone please help me to understand what PACER means? I am on the page for Case Summary.....
It says:

Pending Status: Awaiting First Meeting, Awaiting Closing
Flags: AwCls, DISCHARGED

Date of Last Filing: 2/23/06

Now the Pending Statuses

Awaiting First Meeting~Begin date 8/29/05~Time in Status 186 days~Voluntary Petition Ch 7
Awaiting Closing~Begin date 12/29/05~Time in Status 64 days~Order of Discharge (batch)

Filers......What does this page mean?

Okay, now that I have ran up a wonderfully large bill, what is the most important pages to keep track of?

Should I just stick with the Case Summary page?

Thanx for your help!

[keepmine]

I'd also take a look at the documents page and see a history of all filings in your case.
Looks like you are discharged and the trustee is just waiting on the tax refund to close the case.
Any questions you have, call the bk court and ask for your case manager.

[lilgoose]

That sounds like the easiest part of this whole thing! Making a phone call....But, I do enjoy hearing from everyone.

I hope that is all that we are waiting on and this will be over soon.

What is this 180 days? Is this when it is "safe" to move forward, or do you really wait until your 1 year from discharge is over? We would like to work on buying the house we are landcontracting and work on a better way of life, but it seems like raising your income or making drastic changes are a good way to get yourself in trouble. Read so much on here that I don't know how to handle making decisions that could raise flags.

Things have been very smooth so far compared to what others have gone thru and hubby and I are afraid to rock the boat.....

[keepmine]

It's safe to move forward now. Start saving mobey and maxxing out retirement accounts.
The 180 days are things that are part of the bk estate if they occur within 180 days of your FILING date.

http://assembler.law.cornell.edu/uscode/html/uscode11/usc_sec_11_00000541----000-.html

[lilgoose]

So, basically, we filed on Aug 29, 05 and that is 180 days from then?

And, if we understand right, then if something happens that was NOT a factor at time of filing or the 341, then it would basically be exempt UNLESS it was a type of trust, which would have been named at the filing?

So, if there was a car accident AFTER filing, and there was a settlement, then the total settlement $$ would be exempt from the trustee?? This didn't happen, but would help us to understand. There are so many "what if's" and gray areas that it does get confusing.....

Now, this 180 days thing...Our letter regarding a "found asset" (which is our tax refund portion that we turned over), the date takes it into the end of May. Does this also extend the 180 days? Technically the 180 days would be over on March 29, prior to the deadline being extended for the creditors. Or, does this not have anything to do with the other???

I so appreciate your thoughts and help

[SinkingFast]

I don't know if the 180 days starts with filing, or discharge, or closing, Lil.

The 180 days thing is for windfalls. Like someone dies and leaves you an inheritance. Or you win the Lottery. Or you hit it big at Vegas. Regular everyday living type things, like a pay raise aren't included in that 180 day thing.

[lilgoose]

SF,
What about w/c? I know that it is a tax free (don't have file tax returns on that income). What if there was a wage loss award that was determined AFTER the filing date and the discharge date? With w/c, you never know what is going to happen down the road and what type of awards there can be.....

Got another quickie for you.....what would happen if hubby could work things out to buy a semi from friend, some type of lease to purchase deal, and would actually w-2 himself? The lease would be in his name as he would have to physically sign for it, but he would still only be an employee...Is this something that we should wait on? (we filed ch 7) He doesn't have to do it right away and can work on it for a few months down the road, but would really like to start asap.

I know that neither of us want anything to mess things up for us and want to keep our noses as clean as possible. We both really appreciate your thoughts on all this. I do appreciate you taking your time to help out!

[keepmine]

You guys are way overthinking this thing. It's over-just some housekeping details.
Live your life.

[SinkingFast]

I don't know about the w/c thing, Lil. You're talking workman's comp right?? That could be considered a windfall.

As for investing in a big rig, according to what KeepMine posted, the truck could be part of the BK Estate if it falls within the 180 day period. I saw after I submitted that Keep's quote says 180 days from filing. Do you have enough vehicle exemption left to cover a big rig??!! LOLOL

I shouldn't have said that Lil. I don't really know. Maybe Staci or Minny will chime in. I'd bet one of them knows for sure.

[lilgoose]

You guys are way overthinking this thing. It's over-just some housekeping details.
Live your life.

You know, you are SO right!! I am such a worry-wort....My family will keep things from me just because I will do nothing but worry, worry, worry!!

They actually will laugh at me for worrying over some of the smallest things sometimes. I just can't help myself.......I worry....I give.....I worry.....I give.....

As for the truck thing: it is a truck that he could buy from his boss and that is who has the orginal loan. So, if we really need to wait, then we can. He wants to get started on it as of yesterday, but he has waited this long and a few more months won't make a difference. The biggest concern he had was that he would have the checks from the money the truck makes would be coming in his name and THEN deposited in an account set up for the truck only. Separate from our personal account.

Staci and Minny both have been so helpful to me! It is amazing the warm and welcoming feeling that is between the members here. I am sorry that scammer couldn't feel it also. He is most definitely missing one of the greatest life-lines available.