Some ???s re trustee meeting & CC charges from years ago?

[welovedis]

Here's the link to the update:

http://www.bkforum.com/showthread.php?t=31863

Basically the UST was looking for the answers to some deposits that were made over the last 6 months that weren't payroll. Like the deposit from when we sold the car (we ended up with a profit and bought another car cash), and even some small deposits (like a $20 co-pay refund). But I have check stubs from nearly everything they asked for, or at least an explanation (thank goodness for Quicken!).

Can you help me find your posts, I tried to do a search back but I can only find things as far as the summer? Not super computer literate here so any help would be great.

[caninebk]

Seems odd to me also, I think audit. I had $121 K of unsecured and similar type charges, even more recent. No such detailed investigation of history. I sure do not have 3 years of CC charge records to present anyway. Does everyone keep paid bills that long? I don't. 1-2 years at best. Maybe that is wrong... dunno.

[welovedis]

I was self employed for 9 years, and stopped that work in 2007, so that is probably why I am so careful and keep everything. Every Jan I just go thru my file cabinet and remove all that year's stuff-keep it in a rubbermaid tote.

I also keep a big basket near my desk and keep all my receipts--for everything! When my bank statement comes in I destroy all the withdrawal and gas, food purchase ones and keep the rest, put them in a ziploc with the month marked and throw them in the tote and I know where they are. It has saved me countless times when something breaks and I need to know when I bought it (look in Quicken where I track spending) and then go find the receipt.

Anyway, I am probably more anal when it comes to record keeping because of the business and just continue that way because I'm used to it.

[Help!]

It's good that you are careful with receipts because it sounds to me as though the UST may be looking to dismiss/convert to Ch. 13. I hope that's not the case, but if it is you'll want to read up as much as you can to prepare. There are random audits, but much more commonly the UST picks apart Ch. 7 cases, recalculates CMI on the means test and gets a "presumed abuse" result. This is not common, but it does happen.

Here's a link to the area where you can find my old threads. You have to start at the bottom of the list and click "previous page" to read them in order. Hope this helps.

http://www.bkforum.com/search.php?searchid=945880&pp=25&page=2

[Stilltheone]

This just goes to show how *different* everyone's cases truly are.

We were NEVER asked to provide credit card statements....only 6 months worth of bank statements.

We took a trip to Disney 3 months before filing, charged furniture 3 months before filing, and even charged tires 2 weeks before filing...Not one word.

I hope everything works out for you. Good luck to you!