Hi all,
I am going to my document review meeting with my lawyer this Thursday. I'm sure he can answer these questions but I'd like to have a little head start on things.
Long story short- I had a major gambling problem over the last three years and have always been pretty irresponsible with my money. No excuses, I know I have screwed up my financial life. I quit gambling cold turkey over two months ago. I have about $10000 in credit card debt and owe the IRS 6,000 or so. One of the first things I did, when I finally stopped gambling and had a little extra cash which maybe I should have paid towards my debt instead, but a few weeks ago, I took a long weekend and flew to see my grandmother- who is very ill. I paid for my ticket and my sisters ticket (she paid me back for hers) on my debit card- over $400.
Does the trustee look at things like that and will it affect my bankruptcy plan? Because of the federal taxes, my lawyer says that I will have to file a chapter 13 and not a 7 but he thinks they will discharge the cc debt and only include the taxes as part of my repayment plan. I am well below the median income, the only reason I have to file 13 (according to the lawyer) is because of the tax debt.
Also- I have sheep and four dogs. How do vet bills/hay bills figure in? I know I can't count those as expenses, but I have spent alot of $$ on vet and feed bills (I've cut back my sheep flock to just a few now). Will they take offense that I've spent that money on what I know is a luxury vs. paying my debt and will that also affect me? Will they make me pay so much to the repayment plan that I can't afford to keep the animals I have left?
I am going to counseling for my problems and plan on toeing the line. I just am so overwhelmed by the mess I am in and my credit is already horrible and I don't want the IRS coming after me!!! I hope you all can help.
I am going to my document review meeting with my lawyer this Thursday. I'm sure he can answer these questions but I'd like to have a little head start on things.
Long story short- I had a major gambling problem over the last three years and have always been pretty irresponsible with my money. No excuses, I know I have screwed up my financial life. I quit gambling cold turkey over two months ago. I have about $10000 in credit card debt and owe the IRS 6,000 or so. One of the first things I did, when I finally stopped gambling and had a little extra cash which maybe I should have paid towards my debt instead, but a few weeks ago, I took a long weekend and flew to see my grandmother- who is very ill. I paid for my ticket and my sisters ticket (she paid me back for hers) on my debit card- over $400.
Does the trustee look at things like that and will it affect my bankruptcy plan? Because of the federal taxes, my lawyer says that I will have to file a chapter 13 and not a 7 but he thinks they will discharge the cc debt and only include the taxes as part of my repayment plan. I am well below the median income, the only reason I have to file 13 (according to the lawyer) is because of the tax debt.
Also- I have sheep and four dogs. How do vet bills/hay bills figure in? I know I can't count those as expenses, but I have spent alot of $$ on vet and feed bills (I've cut back my sheep flock to just a few now). Will they take offense that I've spent that money on what I know is a luxury vs. paying my debt and will that also affect me? Will they make me pay so much to the repayment plan that I can't afford to keep the animals I have left?
I am going to counseling for my problems and plan on toeing the line. I just am so overwhelmed by the mess I am in and my credit is already horrible and I don't want the IRS coming after me!!! I hope you all can help.
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