little freaked

[juststupid]

OK so I've done some reading about the payday loans... We have 2 internet payday loans we took out in Feb -- they were internet ones and pay directly from our checking account... well we didn't get a chance to close the account before filing because we had checks out and then just kinda forgot about it until last week when I realized hubby gets paid this week and then they will be taking money out again...... well I had to use my debit card the other day to buy diapers and now I have to wait for it to clear before I can close the account.

So we opened another checking account... since we need somewhere for checks to go since hubbies work only does direct deposit... Will this look bad to the trustee at our 341? also we opened the account at the same bank as the other... it's the armys bank and we really don't want to have to go back to regular banks since they chanrge SO much more for everything than this one

Now to cell phones..... currently we have prepaid ones that are costing us a fortune to buy minutes for and hubbies is broken (got smashed at the firing range)... husband is in the military and also has a civilian job and we are thinking about getting new cell phones - contract cell phones since in actuallity this would be cheaper than the prepaid ones and with the insurance we could get a replacement and wouldn't have to keep calling everyone to tell them about the number change..

should we wait until after the 341 or can we get them now? HUsband is leaving for training very early in June and we want to have a new phones before he goes so we can keep in touch.


sorry so long....

[lrprn]

we opened another checking account... Will this look bad to the trustee at our 341?

Probably not. If the trustee questions the new account, just explain honestly why you had to open it.

should we wait until after the 341 or can we get them now?

After you file Ch 7, your trustee is primarily interested in your assets, not how much you spend a month on your cellphones or other living expenses. If your pre-discharge budget supports getting new phones and you need them before hubby is going away for training, it's hard to see why your trustee would care. If you can wait to get them after your 341 is over, then you won't have to worry about it at all.

Have you asked your lawyer what he/she thinks about these two situations? What was their advice?

[juststupid]

I called his office yesterday but he was out. So I have to wait until Monday to ask him about it.

But it's nice to hear that it shouldn't be too much of a problem, and hopefully he says we can get them since I don't like being without a cell phone when I go places with the boys by myself.

Thanks!

[jal1129]

It probably varies by trustee/district but our attorney put down that we spend $130 per month on the cell phone bill (we have teenagers and I also pay for thier phones). Nothing was ever mentioned about it. I was concerned the trustee might question it but neither the lawyer or trustee batted an eye at it.