Little did I know 1 year ago moving in with my parents before filing would cause me issues when it comes to this part forcing me to live like a rat and having to file pro se. I should have filed before my house foreclosed. I have been working part-time as an independent contractor, averaging roughly $600 mo for the past 6 months and this is before paying taxes. I can't stand not being able to make even decent money and helping out my family and am at a point where I have got to go out there and get any sort of work because it's driving me crazy feeling this unproductive and my family also badly needs it. But I have yet to file.
Considering I live with them, however, the only expenses I can prove is car insurance and a phone bill, totaling around $180. I pay for my own consumption, so when considering gas, food, internet(not in my name but I pay it) and pitching in here and there, I am well below 0 at the end of the month. Rent, utilities and everything else is in their name and as I understand it, if I can't prove it, I should not list them.
So as it stands right now, because of the little income I made, I SHOULD qualify for Chapter 7. However I have to get a job ASAP and I cannot wait for the entire bankruptcy process to go through before getting a new job, so my question is, what happens if I file next week, but a week from that day I get a new job which basically triples my income?
There are two questions on the form that ask If I expect to make more money in the next year and if I expect my expenses to increase. I DO expect to make more money in the next year, but at that point I ALSO have to move back out on my own and my expenses will also more than triple. Do I state yes on both of those questions and explaining I plan on getting full time employment which will increase my income by more than 25% as well as my expenses?
What will happen at the 341 meeting if they inquire about the new income situation and at that point I'm sure I'd still be living at home but making ~$2,500/mo? Will it look like I have been avoiding full time employment in order to file? In essence I am, but I also know once I move back out on my own I will be just as broke as the day I was when I lost my home. Living with parents is temporary, not permanent. Please advise.
PS: I should also mention that I have not been paying taxes from my part-time job and still owe the IRS around $1800. I couldn't afford to pay them so I'm not sure if on the income form I should take out estimated taxes even though I have yet to pay them for this year.
Considering I live with them, however, the only expenses I can prove is car insurance and a phone bill, totaling around $180. I pay for my own consumption, so when considering gas, food, internet(not in my name but I pay it) and pitching in here and there, I am well below 0 at the end of the month. Rent, utilities and everything else is in their name and as I understand it, if I can't prove it, I should not list them.
So as it stands right now, because of the little income I made, I SHOULD qualify for Chapter 7. However I have to get a job ASAP and I cannot wait for the entire bankruptcy process to go through before getting a new job, so my question is, what happens if I file next week, but a week from that day I get a new job which basically triples my income?
There are two questions on the form that ask If I expect to make more money in the next year and if I expect my expenses to increase. I DO expect to make more money in the next year, but at that point I ALSO have to move back out on my own and my expenses will also more than triple. Do I state yes on both of those questions and explaining I plan on getting full time employment which will increase my income by more than 25% as well as my expenses?
What will happen at the 341 meeting if they inquire about the new income situation and at that point I'm sure I'd still be living at home but making ~$2,500/mo? Will it look like I have been avoiding full time employment in order to file? In essence I am, but I also know once I move back out on my own I will be just as broke as the day I was when I lost my home. Living with parents is temporary, not permanent. Please advise.
PS: I should also mention that I have not been paying taxes from my part-time job and still owe the IRS around $1800. I couldn't afford to pay them so I'm not sure if on the income form I should take out estimated taxes even though I have yet to pay them for this year.
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