Recent content by rockobuster

What is the name of your state? OR We filed chapter 7 bankrupcy in April 2005 and were discharged in July 2005. We have a Home Equity Line of Credit at a variable interest rate, which is currently at 9.75%. Our mortagage company will not refinance it because of the bankruptcy, and I was...

What is the name of your state?OR We were discharged from chapter 7 at the end of July. We have a Home Equity Line of Credit, that we have had for 2 years. The interest rate was not fixed, and I was wondering if anyone has had any experience of trying to get a fixed interest rate this soon...

What is the name of your state? OR I never thought this day would ever come! We filed chapter 7 on 4/4, had our 341 meeting on 5/13, last day for objection was 712, and our discharge is 7/22. That was a long 10 days between the objection date and actual date of discharge. I would like to...

What is the name of your state? OR We had our 341 meeting 3 weeks ago, and our Trustee had noted at the meeting that he was recommending $900 in disposable income (which it was obvious he was trying to apply some of the new laws already). As of yet he has not filed anything with the courts...

What is the name of your state? OR 1. If you are dismissed in a chapter 7, how long before the trustee usually notifies you? 2. Does the court then notify the creditors that your chapter 7 has been dismissed? 3. If you then agree to file a chapter 13 do you usually have the same trustee...

I was wondering if I had been contributing 10 - 20% of your paycheck to my state retirement system, via payroll deduction, and I filed chapter 7, would the trustee consider this amount (currently $575 a month) disposable income? This retirement account has penalties for early withdrawl and has...

What is the name of your state?OR Does anyone know if after you have had your 341 meeting in a chapter 7, and no creditors object to your discharge, if the US Trustee can then look at your disposable income and decide you have too much, and force you into chapter 13? If he can, then what...

OR If the trustee did not look at your receipts that he had asked you to bring, then what did he look at? What questions did he ask you? I'm asking because I have my 341 meeting in 2 weeks and I received a form letter from the trustee requesting bank statements, retirement accounts, titles...

Does anyone know, or have had the experience, of having used credit cards (with cash advance checks deposited into my checking account) within the 60 days prior to filing chapter 7? If so, did the credit card company object to the discharge of the amount that you used, or for the entire...

My lawyer had told us to have as little money as possible in our account on the 4th of the month, but since the 1st was on a Friday, some of the checks did not clear until the 7th of the month. Since my banking statement is on-line, would the trustee accept a print out of that, or do they...

What is the name of your state?OR I had heard that when you go to your 341 meeting that you need to make sure that you had as little money as possible in your checking account on the day that you file for BK. The reason I heard is that the Trustee can take 25% of what you have in your...

Did people from the credit card companies actually show up to your 341 meeting? Did you happen to hear of anyone who had made credit card charges within the 90 days of filing?

Did you happen to hear what kind of questions others were being asked that they couldn't answer?

OR I will be having my 341 in May and appreciated reading what actually goes on in those meetings. Like you, I am also nervous. My case will probably not go as smoothly as yours, even though I feel prepared. I anticipate many questions being asked regarding my LARGE gambling debts within 60...

Is it uncommon to have the non-discharged debt be made in monthly payments with the creditor? Or do they normally want all the non-discharged debt paid at once?