I think you are making a mountain out of a molehill. The IRA account is most likely an exempt asset. You taking out the funds post filing and, presumably post Confirmation, is probably not an issue as it relates to the bk assuming your Plan payments are current. Not reporting the early withdrawal on...

Nothing to be terrified of as there is nearly always a solution.

I assume this was before you filed. What did you do with the money? Was it deposited into another account? Did the Trustee ask for bank statements? What bankruptcy issues have been raised - if any?

Depending...

A bankruptcy trustee does not put anyone in prison. If you did something illegal then you can be prosecuted by the appropriate authorities and, if found guilty, be sentenced to prison.

You need to give a bit more detail as to what you did or did not do.

Des.

Since the lease is in your name individually, when you file bk the Trustee steps into your shoes and takes it over. The Trustee will most likely reject the lease within weeks of filing since he/she does not want to be responsible for payments. As to the rents you collect, from the moment you file...

Are you the tenant under the lease or is your entity the tenant? Do you have an attny?

Des....

Because a Proof Claim tells the court what is owed on the entire debt. Look again. There is a separate portion of the POC that is checked off if the claim is "secured" and within that section of the document there is a line item for the arrears.



The balance owed...

Current median income for a family of 4 in Arizona is $85,403.00 so you may be slightly over but should pass the means test. See:

https://www.justice.gov/ust/eo/bapcp...come_table.htm

Your vehicles are fine for a 7. Your tax refunds, unless received, cashed and spent before...

1. You live in California. California is a community property state. But for personal guarantees and real property debt (unless both of you signed) all debt is the debt of each spouse. It does not appear that you have listed your wife’s debt such as credit cards, medical bills, etc.

...

I need to chime in here. While a CR may be useful, the best source of creditor info are your bills.

The problem(s) with CRs is 1) they are only as good as the person who entered the information and/or 2) many times the information is simply wrong or outdated.

While I will...