Hi! New to this forum, but have been visiting for a few weeks.
I filed Chap7 Pro Se 9/27/05, 341 is 11/7/05 ........I am confident in how and what I filled in my forms to be truthful. But after recieving a letter from the trustee asking for copies of the last 3 months of bank statements, 2004 taxes, proof of lien holder on my truck ( that I am surrendering , already surrendered), copy of pay stub recieved after filing,and 401K statement...,I am stressed. I have been with the same company for 6 years. 4 months ago I transferred to another store with same company . My income has drastically decreased. I had been using my cc's to supplement my income. I live with my bf and he has been helping pay bills and living expenses during this time. But that has caused issues between us. Which brought me to file on a quick decision. Sorry for the long story......I'll get to the point.......After really looking over bank account statement, there are deposits made here and there , where my bf either gave me money or i accumulated tips and deposited these to pay bills/cc's. Just stressing on if the trustee will think I sold belongings? They were cash deposits , none more than $100 or $200 each time, but always near a payday (every 2weeks). Also , since I decided to file so quickly, I didnt think about how recent I had charged on my cc's!!
But have been lately thinking about it. I can't recall using them for large purchases of any kind with in 60 days of filing (mostly gas, food , etc) , but I believe the last time I used my cards was 9/15 and I filed 9/27. I know this is bad. But how bad??
Have a few other concerns but will share them later. Sorry for making my first post sooooooo long. I am grateful for this forum and everyone here who is sharing this unfortunate experience of BK.
I filed Chap7 Pro Se 9/27/05, 341 is 11/7/05 ........I am confident in how and what I filled in my forms to be truthful. But after recieving a letter from the trustee asking for copies of the last 3 months of bank statements, 2004 taxes, proof of lien holder on my truck ( that I am surrendering , already surrendered), copy of pay stub recieved after filing,and 401K statement...,I am stressed. I have been with the same company for 6 years. 4 months ago I transferred to another store with same company . My income has drastically decreased. I had been using my cc's to supplement my income. I live with my bf and he has been helping pay bills and living expenses during this time. But that has caused issues between us. Which brought me to file on a quick decision. Sorry for the long story......I'll get to the point.......After really looking over bank account statement, there are deposits made here and there , where my bf either gave me money or i accumulated tips and deposited these to pay bills/cc's. Just stressing on if the trustee will think I sold belongings? They were cash deposits , none more than $100 or $200 each time, but always near a payday (every 2weeks). Also , since I decided to file so quickly, I didnt think about how recent I had charged on my cc's!!
But have been lately thinking about it. I can't recall using them for large purchases of any kind with in 60 days of filing (mostly gas, food , etc) , but I believe the last time I used my cards was 9/15 and I filed 9/27. I know this is bad. But how bad??
Have a few other concerns but will share them later. Sorry for making my first post sooooooo long. I am grateful for this forum and everyone here who is sharing this unfortunate experience of BK.
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