Hi all! My apologies if this question has been asked previously. (I did look at all the stickys and did a search to see if I could find answers to my question first.)
I filed for Chapter 13 in Oct 2015. My life completely fell apart that year. To summarize, I lost my mother, was trapped in my home because of death threats to my husband, my husband was an abuser, my beloved dog died, I sank into a deep depression where I coped by charging my credit cards and it all ended in divorce - so I had to file for bankruptcy to afford to live on my own. I'm giving the brief history because maybe it will give a better understanding of why the trustee continues to ask for these things?
I've recently had to provide a letter from my therapist that I'm in therapy, what my diagnosis and prognosis are. The next month I had to provide transaction history for all my personal accounts (not bank/cc card - ALL personal accounts - iTunes, Amazon... Even though my bank statements showed I made purchases and the amount, they wanted to see what I purchased - yet none of the purchases were over $100). After that I had to provide all of my perscription medication information and doctor bills/invoices. Now they are asking me to justify why I'm seeing my pain management Doctor using my TRICARE benefits (I'm retired military) versus using the VA hospital (disability). I've been seeing the same Doctor for years and changing to a new doctor with the VA would set my progress back, not to mention I'm comfortable with my doctor and see no reason to leave him. I get they are looking at my expendable income but isn't quality health care a justified expense? My TRICARE copays aren't an outrageous amount. Are these typical requests from the trustees office?
I know this can be a painfully stressful process and trust me, I'm taking responsibility for why I'm in this position (Therapy!) but I feel like each month they are coming up with a new invasive request even after I've provided everything requested within a day of the request. Each month I think hopefully this will be it, yet I still get new requests and I'm so concerned this means they really want to dismiss my case. I also would like to point out that up until the day I filed I never missed or was late on any payment. I really did file so I could afford to live on my own! I'm also paying $1000 a month to the trustee, which is over the percentage recommended for my fixed income. So I'm not trying to short change by any means.
I know each case is different, but I haven't heard of anything similar so I don't have anything to compare this to. My friends say it may be my lawyer failing to do his job. I have caught my lawyer slipping a few times by failing to file documentation I provided to him, but I dont believe he is the one requesting these things. I was fully expecting to have my bank/cc card/taxes/income scrutinized, but I wasn't expecting it to get THIS personally invasive. Any insight anyone has to put my mind at ease would be greatly appreciated. Thank you so much!!
I filed for Chapter 13 in Oct 2015. My life completely fell apart that year. To summarize, I lost my mother, was trapped in my home because of death threats to my husband, my husband was an abuser, my beloved dog died, I sank into a deep depression where I coped by charging my credit cards and it all ended in divorce - so I had to file for bankruptcy to afford to live on my own. I'm giving the brief history because maybe it will give a better understanding of why the trustee continues to ask for these things?
I've recently had to provide a letter from my therapist that I'm in therapy, what my diagnosis and prognosis are. The next month I had to provide transaction history for all my personal accounts (not bank/cc card - ALL personal accounts - iTunes, Amazon... Even though my bank statements showed I made purchases and the amount, they wanted to see what I purchased - yet none of the purchases were over $100). After that I had to provide all of my perscription medication information and doctor bills/invoices. Now they are asking me to justify why I'm seeing my pain management Doctor using my TRICARE benefits (I'm retired military) versus using the VA hospital (disability). I've been seeing the same Doctor for years and changing to a new doctor with the VA would set my progress back, not to mention I'm comfortable with my doctor and see no reason to leave him. I get they are looking at my expendable income but isn't quality health care a justified expense? My TRICARE copays aren't an outrageous amount. Are these typical requests from the trustees office?
I know this can be a painfully stressful process and trust me, I'm taking responsibility for why I'm in this position (Therapy!) but I feel like each month they are coming up with a new invasive request even after I've provided everything requested within a day of the request. Each month I think hopefully this will be it, yet I still get new requests and I'm so concerned this means they really want to dismiss my case. I also would like to point out that up until the day I filed I never missed or was late on any payment. I really did file so I could afford to live on my own! I'm also paying $1000 a month to the trustee, which is over the percentage recommended for my fixed income. So I'm not trying to short change by any means.
I know each case is different, but I haven't heard of anything similar so I don't have anything to compare this to. My friends say it may be my lawyer failing to do his job. I have caught my lawyer slipping a few times by failing to file documentation I provided to him, but I dont believe he is the one requesting these things. I was fully expecting to have my bank/cc card/taxes/income scrutinized, but I wasn't expecting it to get THIS personally invasive. Any insight anyone has to put my mind at ease would be greatly appreciated. Thank you so much!!
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