It took 3 months, to the day...

As we continue our life, our (mine only, not wife) Chapter 7 has taught us to live more frugal and question every purchase we make.
We are saving money monthly, something we couldn't do prior to our Chapter 7. We use my wife's 2x Citibank Mastercard for our purchases.

On advice from...

Very happy day today. Received my discharge and case closed today! Filed chapter 7, no assets with an attorney
Shoutout to JUSTBROKE and other who answered my numerous questions in the past 4 months...

Thanks all!...

to credit card, that was included in chapter 7 filing, after a successful 341 meeting but before official discharge? Wondering if that credit card company will keep that credit, or will they send me a check?

if a creditor will show up? Even in these days of non-court appearances?

for answering in depth, my many, many questions I asked in these forums, for the last three months.

And to others as well..

Today, I file for chapter 7, no asset, with an attorney.

Thank you

Tom

No, you answered my concerns

Regards

end upon filing or does it end at discharge?

I understand. Thanks

That's interesting and thanks. Would be nice if all the payments to the "general" creditors for the last 90 days were clawed back and sent to the "priority" creditor, the IRS. That would certainly help me as these past taxes do not fall within the guidelines of being erased..

to my filing, would that excess over the $600 be clawed back and paid to my priority unsecured claim, in my case, my IRS back taxes when in an installment agreement?

Supposed after filing chapter 7, the debtor dies prior to the discharge, I assume nothing changes?

Again, thank you

But would those monies paid to the IRS be clawed back and be redistributed among all creditors? If that's the case, I better stop the payments to the IRS

No, I don't believe this will be an asset case. Wondering if I should suspend IRS auto deductions from my checking account as I stop paying all other secure debt..

Since my spouse and I file joint taxes and she will not be filing chapter 7 with me, should I continue with our IRS monthly payment agreement, while stopping payments on my credit cards? I don't want these IRS payments be redistributed by the trustee to all creditors that I list in my filing.

I was under the impression that if I "came in" to money, in this case, a $10K sale of an auto that I own, the trustee would seek to take that money, after the Chapter 7

after chapter 7 discharge?

If filing solo, wondering if my wife's assets, in her name only and in the same bank, would be safe from my bankruptcy filing's possible setoff? Would it be wise to have her move her assets to a new bank that I won't be burning when I file?

Not sure actually, I mean, I'm not looking to defraud anyone, or hide assets...