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BobMango
BobMango
Registered User
Last Activity: Today, 05:32 PM
Joined: 07-22-2009
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  • BobMango
    replied to Chapter 7 & Bank Account
    If you don't owe anything on that account when you file you don't have to list it, but the odds are very high they will receive notice and close it when they find you filed. Many banks and creditors use services that alert them when their customers file for bankruptcy.

    You are probably...
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  • BobMango
    replied to Am I in trouble?
    No, not a big deal. They just want that to ensure they have all your creditors. It is not a requirement that you submit that with your filing or provide to the trustee for any reason.They will likely have you provide a credit report for the same purpose, they are just being thourough.
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  • BobMango
    replied to High Income Chapter 7 In MA
    Yes, it's possible. I would not try it pro se, but it may be tough to find an attorney willing to take on the fight. I've seen cases where the filer was many times over the median and was able to get a chapter 7 discharge. It really becomes a matter of making sure your expenses eat up any disposable...
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  • In regards to the corporate credit cards, as least within the government, you can choose to let them check your credit or not. If you decline the credit check they give you a smaller credit line and no cash advance options. But it is not tied to your credit profile and will not be affected by filing...
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  • Look at this article, it may be what is going on. Check the second to last paragraph in particular.

    https://phillipsandthomas.com/2015/0...in-bankruptcy/

    It it applies to you I would cite the case in your response....
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  • The response to the trustee objection should be fairly simple. Sounds like it's one exemption, so you would reference the exemption in question and provide your reason for disagreeing. This should be a sound legal reason, and consideration of additional documentation should certainly be mentioned....
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  • BobMango
    replied to Collection Agencies Information
    No, you have nothing to lose by listing everything. No need to fight at this point, just list it and the bankruptcy will take care of it, legitimate debt or not....
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  • BobMango
    replied to Employment discrimination
    No way to know for sure, but many employers will view a bankruptcy as you dealing with your financial problems rather than ignoring them. If you can provide them with a reasonable explanation, that can go a long way.

    Good luck.
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  • BobMango
    replied to Collection Agencies Information
    I would include as much as you can, better to "overshare", doesn't really hurt if the same debt is listed twice.
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  • BobMango
    replied to Collection Agencies Information
    You can only provide what information you have. If you list the original creditors and any collection agencies you know about you should be ok. Checking credit reports gives you a pretty good idea. If you get calls after you file and find they weren't listed, you can file an amendment your petition...
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  • BobMango
    replied to Converted to an asset case
    Sounds like there were assets that could not be totally covered by exemptions, so the trustee has the option to abandon, seize or negotiate. In this case I am guessing the trustee offered a cash option rather than taking the uncovered items. When they do that it's generally in both parties interest...
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  • If you file and don't reaffirm the mortgage, you will no longer be responsible for it after discharge. This will only create problems for the other party if they do not pay since they will be fully responsible for the mortgage. Not sure about the deed but sounds right.

    As for the alarm...
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  • Sure, there are companies that will finance you in an active bankruptcy, you don't have to wait. As to whether it will be more or less expensive is hard to say and only one way to find out. Sounds like you are not considering the cheap used car route and given that you are in FL you are down to two...
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  • Unless you are getting some concessions from the lender, or are in a jurisdiction that requires surrender or reaffirmation, you really don't want to reaffirm. All you are doing is giving the lender the right to pursue you for the debt after your discharge. I did a reaffirmation, but in my case the...
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  • Should not be a problem in a Chapter 7. I would not get rid of your current car until after discharge, but acquiring a new (to you) car is not a problem. Everything you owned became the property of the bankruptcy estate once you filed and technically is still theirs until discharge. Since you exempted...
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  • BobMango
    replied to Converted to an asset case
    How did you arrange your exemptions? I think you said in an earlier thread that you didn't have enough exemptions to cover everything. If you used a little bit of your wildcard to partially cover a number of assets, the trustee may see that as you trying to game the system. If you were able to cover...
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  • BobMango
    replied to Conns/Secured Debt
    There is a chance they will want it back, but that doesn't sound like your problem now. If you live in a community property state, the debt is legally your ex husbands as well, if you were married at the time you acquired it. You can let them know that you no longer have it and who they can contact...
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  • BobMango
    replied to 3 years after pro se
    Good for you and I'm glad it worked out. Your last statement is good advice. No one here can possibly know all the factors that could influence any one person's case. I think the advice not to file in situations like yours comes from the fact that many times other things can come up after you file,...
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  • BobMango
    replied to Question about Trustee and property
    I was unable to completely cover all my assets when I filed and the trustee abandoned everything anyway. The uncovered assets happened to be cattle, so I guess the trustee didn't want to house and feed them.
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  • I would tell you to stop worrying about it. Let your attorney worry about it. Nothing you can do to influence it one way or another now. For the amount you are talking about I can't imagine the creditor spending the money on that gamble.
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