Now what??
I am totally confused now and don't have a butt to sit on after getting it chewed off.
Last week, we were in the final steps of filing (met with the lawyer and signed the papers). When we were in his office he asked us when was the last time we used our credit cards. I didnt have any paper work with me (since we had already met with 2 other people in his office to fill out papers and I had already told them when we used the cards last).
Anyway I told him I would have to guess and double check when I got home. Well I guessed wrong, called and told the lady who works with attorney that we had used one of the cards up until March of this year and the other one in April. We had our first meeting at the attorneys office on April 15th and as instructed we didn't charge anything after that.
She began to chew me out stating "Why didn't you tell the attorney this yesterday when you signed papers, you were told not to charge anything, this is going to look like fraud, you knew when you made those charges you were going to file bk" "your going to have to pay those credit cards and we can't file your papers now." "the creditors will look to see when you retained us to file your papers, if we had of file your papers.........".
I informed her that I told the attorney I was guessing on the dates and that we had already given her all this information before and we filed out the papers listing everything we had charged, and that we had NOT charged anything since our first meeting. Then she told me that she would need me to make her a list of ALL charges of $100.00 and over that we made the past 12 months and list out beside it what it was for! I told her I thought we only had to go back 6 months, she said OH NO, they will go back 12 months.
Ok, so I made her a list and faxed it to her. That was last thursday. I haven't heard back from her yet.
I'm so upset, I feel bad enough that we are filing bk and now the lady at the attorneys office is chewing me out.
I wish I could just stop all of this. If I had anyway at all to pay my creditors I would. I hate doing this!
Now I'm wondering....should I call and ask her what now? do I wait for her to call me, since she was so rude?
My questions:
I was under the impression that creditors go back up to 90 days unless its really big charges. Our biggest charge was 986.00 back in January. Our last charge was $18.00 on April 12th and the last $100.00+ charge was on Feb.22nd for $120.00 . Our first meeting with attorney was on April 15th. Good grief we charged $7,400.00 in 12 months of which 3,800.00 were individual charges of $100.00 and over.
My husband says not to worry, she was probably having a bad day and jumped to conclusions without hearing me out. He said she would probably be calling by this friday giving me our case number. I sure hope so. At this point I'm afraid she is going to tell me we have to pay the attorney more money and have to sign papers again.........
HELP!!!!
Sorry this is so long......you guys/gals are wonderful. You deserve a crown!
Last week, we were in the final steps of filing (met with the lawyer and signed the papers). When we were in his office he asked us when was the last time we used our credit cards. I didnt have any paper work with me (since we had already met with 2 other people in his office to fill out papers and I had already told them when we used the cards last).
Anyway I told him I would have to guess and double check when I got home. Well I guessed wrong, called and told the lady who works with attorney that we had used one of the cards up until March of this year and the other one in April. We had our first meeting at the attorneys office on April 15th and as instructed we didn't charge anything after that.
She began to chew me out stating "Why didn't you tell the attorney this yesterday when you signed papers, you were told not to charge anything, this is going to look like fraud, you knew when you made those charges you were going to file bk" "your going to have to pay those credit cards and we can't file your papers now." "the creditors will look to see when you retained us to file your papers, if we had of file your papers.........".
I informed her that I told the attorney I was guessing on the dates and that we had already given her all this information before and we filed out the papers listing everything we had charged, and that we had NOT charged anything since our first meeting. Then she told me that she would need me to make her a list of ALL charges of $100.00 and over that we made the past 12 months and list out beside it what it was for! I told her I thought we only had to go back 6 months, she said OH NO, they will go back 12 months.
Ok, so I made her a list and faxed it to her. That was last thursday. I haven't heard back from her yet.
I'm so upset, I feel bad enough that we are filing bk and now the lady at the attorneys office is chewing me out.
I wish I could just stop all of this. If I had anyway at all to pay my creditors I would. I hate doing this!
Now I'm wondering....should I call and ask her what now? do I wait for her to call me, since she was so rude?
My questions:
I was under the impression that creditors go back up to 90 days unless its really big charges. Our biggest charge was 986.00 back in January. Our last charge was $18.00 on April 12th and the last $100.00+ charge was on Feb.22nd for $120.00 . Our first meeting with attorney was on April 15th. Good grief we charged $7,400.00 in 12 months of which 3,800.00 were individual charges of $100.00 and over.
My husband says not to worry, she was probably having a bad day and jumped to conclusions without hearing me out. He said she would probably be calling by this friday giving me our case number. I sure hope so. At this point I'm afraid she is going to tell me we have to pay the attorney more money and have to sign papers again.........
HELP!!!!
Sorry this is so long......you guys/gals are wonderful. You deserve a crown!
)
I'll be watching, you may never know when or how, but I'll be there. I am there now....
Comment