I've looked over my recent threads about what to do with our tax returns, ie how to spend them. Such a fun thought anyway!
Well, it occurred to me that it doesn't really matter if we are an asset case or not. Sure, it makes it so our BK doesn't close right after discharge, but who cares? That's just administrative stuff. I guess in the big picture, what we really want is to get out from under this debt!
So current plan to spend that refund:
-attorney & filing fees
-medical bills
-basic living expenses between now and filing
-auto repairs
-auto insurance
-stock up on groceries to the limit my lawyer is comfortable with
-dental work & vision check-ups, contacts
-clothing
-a few small household items: sheets, pillows, door mat - that's about it
So, that leaves maybe 3k left over - either it will fit in the exemptions, or it will go to a Trustee and make us an asset case. At this point there are a lot of exempt-able assets I would gladly give up for a discharge... So I guess we'll just lay low and let it all settle out how it will. It's almost funny how easy it is to fall into the game of trying to not be an asset case, and lose sight of the real goal.