question about bank statements

[jessegirl]

I know that the trustee usually asks for bank statements dating back to one year, BUT what is the norm usually? And is it from the date of filing or the date you retained your attorney or the date of the 341 hearing? Thanks

[BKParalegal]

The standard is 90 days of bank statements up to and including the date of filing.

Good luck

[momof5]

We had to give our attorney 6 months worth but he only submitted 90 days worth to the Trustee.

[BKParalegal]

Your attorney will ask for 6 months bank statements(sometimes) just to make sure your deposits are somewhat inline to your Pay stubs and answers on the SOFA, but for filing purposes only the last 90 are required.

[laurannm]

Your attorney will ask for 6 months bank statements(sometimes) just to make sure your deposits are somewhat inline to your Pay stubs and answers on the SOFA, but for filing purposes only the last 90 are required.

Is the 90-day rule actually a law, or just a common practice? Our 341 is Aug 13th, and we have not submitted any bank statements to our lawyer, nor has the trustee requested them.

We are above median though, so I am preparing for the UST to possibly request them at some point.

[debtor36K]

I just got a letter from the trustee of what she wanted by the 341 meeting: 90 days of bank statements as close to the filing date as possible. 2 years of tax returns and copies of titles or registrations for all vehicles.......thats it so far

[FreshLikeADaisy]

Jessegirl, I received a form letter from the trustee after filing that requested a full year's worth of bank statements as well as the check registers, and he requests this of all his cases. That was only the start; he wanted insurance papers, pictures of vehicles, marriage and divorce papers, a whole stack of stuff. And this was his norm for all of the filers assigned to him.

Keep in mind that trustees vary not only district to district, but trustee to trustee, as to what they request of you. Don't worry about it or read into it, just do your best to get them whatever they ask for and if you can't, tell them why. You'll be fine: if your filing was honest, that will quickly be apparent with a glance at your banking records. Don't think it means you're going to be audited.

Also, unless otherwise stated, everything in a Ch7 is *as of the date of filing*. Only the 60 day limit for creditor objections rides on the date of the (first) 341.

Anyway, I hope this helps. Good luck!!!