for those who have been audited by the UST???

[jessegirl]

Gawd Jessegirl I think of you and your case daily. This Friday (27th) is the last day for objections, nothing from UST as of yet. Prior to 341, after, nothing, and I AM ALL of the red flags. Way over median, small businesses (3 of them), way high cc debt. God I am just hoping this goes off without a hitch. Can the UST get involved after the 30 days too? I really won't rest until the discharge.

SHHHHHHH, don't say that to loudly...... LOL.....
I think the UST can get involved whenever they feel like it, but i can be wrong. Maybe your one of the chosen ones..... LOL

[onacliff]

defending chapter 7

I am curious about what happens now? I assume now we need to defend our chapter 7... Does anyone know what is really involved and how that happens... How much is it going to cost -- my attorney just said- it is going to cost and you need to take that into consideration. What else can I supply the trustee with other than the documentation she obviously didn't even look at... Could she be buying herself thrity days to go over all of it? When do we find out her intentions and does she come up with how the 13 will be funded-- b/c you can not get blood from a stone... So frustrated-- sorry!

[kathy4530050]

Jeez . . . this is frightening. I wonder if I'm a "red flag" case. I'm a self-employed consultant, have $80,000 in cc debt and a $20,000 second mortgage (giving up the house). In my best year, I netted about $260,000 and in my worst, $25,000. My cc expenses were primarily business--had a couple of dreadful years.

Is there anything we can do to prepare for the worst?? I have all of my cc statements for several years up until last July, when I stopped using them. I have, of course, at least 7 years of tax returns. What else should I have??

Thanks to those of you who have been through the wringer and are willing to share your experience with the rest of us.

[StartingOver08]

Kathy, you need bank statements for at least two years (personal and business). 10 yrs worth of real estate transactions (deeds and mortgages and mtg applications), all your auto purchases and financing, any secured asset purchase. Your attorney should have given you a list of items. If you have all the documentation and the UST does not need it - you are golden. IF you do not have it and the UST asks for it, then you have difficulties.

Get those statements, if you can, since July - even if you have not used the cards or even made payments you would have statement for six months showing past due balances. Also, provide the dunning letters from the OC or the CA. Remember, bury the UST and panel trustee with paperwork

[kathy4530050]

THANK YOU Starting Over. I can absolutely get all of this. Real estate--just my house and I have copies of both mortgages, car--paid for but still have the original bill of sale, no other secured assets. Bank statements I can get. Thanks again. It's the not knowing and feeling so vulnerable that makes me wake up with cold sweats. But, forewarned is forearmed . . . . !

Kathy

[kathy4530050]

Get those statements, if you can, since July - even if you have not used the cards or even made payments you would have statement for six months showing past due balances. Also, provide the dunning letters from the OC or the CA. Remember, bury the UST and panel trustee with paperwork [/QUOTE]

Oh, and I will do my best to get the statements since July. I just threw them out--mistake--because I was no longer making charges or payments. I would love to bury anybody and everybody in paperwork.

[jessegirl]

I am curious about what happens now? I assume now we need to defend our chapter 7... Does anyone know what is really involved and how that happens... How much is it going to cost -- my attorney just said- it is going to cost and you need to take that into consideration. What else can I supply the trustee with other than the documentation she obviously didn't even look at... Could she be buying herself thrity days to go over all of it? When do we find out her intentions and does she come up with how the 13 will be funded-- b/c you can not get blood from a stone... So frustrated-- sorry!

Cliff you know what we have been going thru. My attorney told me that it was going to cost me more to fight this and then said he will charge atleast 1000.00 more to me. I said I cannot afford it and fight the UST on my own, Hubby and I went to the Deposition by ourselves and I think we did a great job. Your attorney cannot answer any questions for you, so why would you need him there. I fought with the UST and explain there is no how no way we can ever fund a 13. Believe me he is pushing for that....... You have to fight to stay afloat, once you stop you will sink.... Call your attorney and tell him to call the UST right now and find out why he is going to the 13. See what other docs you need and for the attorney to find out how you can fight this.

My attorney was a Pain in the azz and I had to constantly light a fire under him. I threaten to tell the UST how he didn't do anything for me.

Don't wait for another motion from the UST, going after it nowww......