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Havfing trouble doing online Pre BK course

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    Havfing trouble doing online Pre BK course

    I came home from work tonight hoping to get a little farther in the course and I have been working on it for an hour but I keep going around in circles.

    Issues I am having.

    How to figure household income...self employed and can't predict what future income will be only past. I can use the 3 months of this year and the WHOLE year of last year but due to flooding some of my paperwork was lost and when I got duplicates from my suppliers, when I figured my taxes I used the figure for the year. So I can't accurately go back from say March of this year for a year. I would have to do all of last year and through March of this year or just this year through March.

    Next BF lives here, he pays a couple of bills but does not give me any money, how do I handle this on the form?

    I had alimony for the first 3 months of this year and then it ended. That was the last of my 36 months. So do I include that in the first three months of this years income? That will throw off everything by 500 dollars and I won't be getting that in the future.

    In my expenses that have to come off for my business, in Jan. I sent in 1100 between the IRS and state for taxes, do I count that in my expenses that I use to arrive at my figure for my monthly income? I will be taking sales, minus expenses divided by the number of months to arrive at this number.

    Also what do I do about estimated taxes, I have no
    idea what to put in for that but they have to be accounted for somewhere?

    Lastly... I am going to make it through this nightmare right????
    Filed 5/11/09 Chapter 7
    341 Meeting 6/5/09
    Discharged 8/5/09
    Case Closed 8/6/09

    #2
    JB: You really have many issues that are far above norm. Are you represented? I hate to say this but either a lawyer or accountant needs to talk with you. Now Mrs. and I went for about 30 minutes to a walk in place. Cost us little, and all they do is analyze yes you are a candidate for a 13 or 7. Very simple. The forms in the actual bk are going to be tougher. I would plug that online thing or abandon it for a call in or go in service.

    BTW of course you will make it through. You did not think you were the first who ever had problems here? I’m the problem pro, and I made it. You will too. ‘Hub
    If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

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      #3
      I have been into to see one attroney and have been talking to another one via email over the weekend. I am going to go with the second one because he has been much more forth coming with answers.

      The one I went in and talked to I sent him the same questions and he just sent back 2 of the 4 answers I asked him. The other attroney answered every question via email I asked and this was twice on Sat. afternoon.

      I have already had to give my money to the online course I have started so I hate to have to give it up.
      Filed 5/11/09 Chapter 7
      341 Meeting 6/5/09
      Discharged 8/5/09
      Case Closed 8/6/09

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        #4
        They are saying Chapter 7 my taxable was under 10k this year and my BF who is not filing is also under 10.

        I also have about 50K unsecured CC debt
        Filed 5/11/09 Chapter 7
        341 Meeting 6/5/09
        Discharged 8/5/09
        Case Closed 8/6/09

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