Dear friends,
This is a thought that occurred to me in my admittedly obsessive attention
to "details".
I'm preparing to file Pro Se around (May 1). I've already exhaustively studied
and completed all the forms and schedules required, except those which will
require current info. for April (the calendar month immediately preceding my
filing date.
I've determined to file May 1 so as to put, at least, five months between last
use of cc's, and, most importantly, several balance transfers...can't really
wait any longer.
I'm self-employed w/a small, and generally unprofitable business, the income
from which has been low enough that I've not filed (nor have I been required
by the IRS to file) a tax return since 2001.
Recognizing that, invariably, the trustee will request tax returns for,
at least, the two years preceding the filing, I contacted the IRS and requested
verifications of non-filing for all available years, which, fortunately, they sent.
What I had not anticipated was that, on each verification of non-filing
form, was the date upon which the verification was requested.
Perhaps I'm really over-thinking this, but it occurred to me that, where
specific dates are critical (especially with regard to recency of balance
transfers) it would be far preferable to have all dates that appear on
any documents that would appear to have been requested, and obtained
for the purpose of filing for bankruptcy (such as the non-filing verifications),
to be well after the "presumption of abuse" time window.
This may have no relevance, but it would seem that having a "Date Requested"
of, say, April 15 would "look" better than Feb. 15, which might
"look" like filing plans and preparations were well under way (early on).
Therefore, I'll be requesting the non-filing verifications, again, next month.
I thought I'd share this consideration with others who may be requesting
transcripts of previous years tax returns, etc.
In continuing this (perhaps paranoid) train of thought, I've had similar
thoughts regarding any date that would appear on the required counseling
certificate. Just seems like it wouldn't hurt to have any date that would
indicate "intent" be as close to the actual filing date as is (practically)
possible.
This is a thought that occurred to me in my admittedly obsessive attention
to "details".
I'm preparing to file Pro Se around (May 1). I've already exhaustively studied
and completed all the forms and schedules required, except those which will
require current info. for April (the calendar month immediately preceding my
filing date.
I've determined to file May 1 so as to put, at least, five months between last
use of cc's, and, most importantly, several balance transfers...can't really
wait any longer.
I'm self-employed w/a small, and generally unprofitable business, the income
from which has been low enough that I've not filed (nor have I been required
by the IRS to file) a tax return since 2001.
Recognizing that, invariably, the trustee will request tax returns for,
at least, the two years preceding the filing, I contacted the IRS and requested
verifications of non-filing for all available years, which, fortunately, they sent.
What I had not anticipated was that, on each verification of non-filing
form, was the date upon which the verification was requested.
Perhaps I'm really over-thinking this, but it occurred to me that, where
specific dates are critical (especially with regard to recency of balance
transfers) it would be far preferable to have all dates that appear on
any documents that would appear to have been requested, and obtained
for the purpose of filing for bankruptcy (such as the non-filing verifications),
to be well after the "presumption of abuse" time window.
This may have no relevance, but it would seem that having a "Date Requested"
of, say, April 15 would "look" better than Feb. 15, which might
"look" like filing plans and preparations were well under way (early on).
Therefore, I'll be requesting the non-filing verifications, again, next month.
I thought I'd share this consideration with others who may be requesting
transcripts of previous years tax returns, etc.
In continuing this (perhaps paranoid) train of thought, I've had similar
thoughts regarding any date that would appear on the required counseling
certificate. Just seems like it wouldn't hurt to have any date that would
indicate "intent" be as close to the actual filing date as is (practically)
possible.
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