why is my landlord on the mailing matrix?

[MrSmithster]

yes, i would wait till your lease is up, then im sure you dont have to list them. im in cal so a used system 2 for my means test, so my depo easily fell under the wildcard exemption. it could matter where you are located, but i think you would be good, if you wait. express how important it is for your landlord NOT to know.

[debtBgone]

My lawyer never mentioned anything about a wildcard exemption so I'm quessing I don't have that option on my petition. (I'm in Minnesota)

[shabam]

Crap, so our landlord will be notified even though we owe them no money.

[LuciluS]

Crap, so our landlord will be notified even though we owe them no money.

If you listed landlord as a Creditor (Lease) or as an Asset (Deposit on your specific housing). And/or possibly paying more than $600 in a 90 day period, wherever such shown on Specific Bankruptcy form. I'm not familiar with Specific Bankruptcy forms as we retained Good BK Attorney.

Luci

[shabam]

I just looked at nolo and noticed that under schedule G they will have to be listed if since we have a current contractual agreement with them. If only I had seen this forum prior to accruing any debt.

The first problem is the stigma because I live in an area where people have a big mouth and like to talk crap about people. This now almost guarantees them finding out about it. I don't care but worry about my wife.

My biggest fear is that the landlord will get apprehensive about the BK and ask us to move. After all, there is a clause in our contract stating that the contract is nullified in the event of a BK.

I have been able to keep my head up (undefeated) until now and I haven't even filed yet. I am afraid that I will lose my temper during the 341 and tell the trustee where to stick his f'n bankruptcy. This Spanish acquisition is a joke. Even serial killers and murders have more rights than we do. How about questioning the creditors who recklessly handed out out the credit?

[bkmaggster]

I filed pro se and did not include landlord on the matrix, as I am current with them. If you do a search on this issue in the forum you will see that this is the common way to deal with landlords. You must include your security deposit where it says to in the paperwork, and list your landlord on schedule G where it specifically asks, but you do not need to include them in the matrix.

You only include them on the matrix if you are trying to get the debt discharged.

Forget the neighbors, this is a business decision. Keep repeating that to yourself, and get your wife to start doing so as well. You are releasing yourselves from the bonds of credit slavery. I bet some of your neighbors will be secretly jealous...

ianal, blah blah...

[shabam]

I filed pro se and did not include landlord on the matrix, as I am current with them. If you do a search on this issue in the forum you will see that this is the common way to deal with landlords. You must include your security deposit where it says to in the paperwork, but that is all, and list your landlord where it specifically asks, but you do not need to include them in the matrix..

You only include them on the matrix if you are trying to get the debt discharged.

ianal, blah blah...

I am going through a lawyer so hopefully they will not list them. Is it the lawyer who creates the matrix after all?

I seriously feel sorry for people with kids, health issues or the elderly going through this crap. The process is designed to strip our dignity. They might as well just have us stand in the center of town and have people throw stuff and laugh at us.

[bkmaggster]

I edited my response a little from what you quoted, fyi.

IMO, this process is not designed to strip our dignity - it is designed to give us a fresh start. I feel blessed to get another chance.

I've had my pity party over this, and I don't believe anything is gained by feeling sorry for yourself or angry at anyone else. DH and I had some really bad circumstances that led up to this, but ultimately we are responsible for thinking we would always have great paying jobs, or our tenants wouldn't skip out, or that we would figure out how to pay for things "later".

We're making a business decision, and we have to jump through some hoops. None of us are entitled to anything.

I am only saying this to you because I have found stripping the process of emotional baggage to be extremely helpful. It's all business!

[shabam]

I appreciate the feedback. I thinks its more the sheer frustration for me.

Knock on wood we have my health and don't have to go through that, unfortunately like many others here do and have.

Forums like these have given us a real voice and sense of unity. Something people going through similar situations in the past did not have. Which is also why I highly respect those who have gone through this, yet stick around to offer advice to others.

[LuciluS]

I just looked at nolo and noticed that under schedule G they will have to be listed if since we have a current contractual agreement with them. If only I had seen this forum prior to accruing any debt.

The first problem is the stigma because I live in an area where people have a big mouth and like to talk crap about people. This now almost guarantees them finding out about it. I don't care but worry about my wife.

My biggest fear is that the landlord will get apprehensive about the BK and ask us to move. After all, there is a clause in our contract stating that the contract is nullified in the event of a BK.

I have been able to keep my head up (undefeated) until now and I haven't even filed yet. I am afraid that I will lose my temper during the 341 and tell the trustee where to stick his f'n bankruptcy. This Spanish acquisition is a joke. Even serial killers and murders have more rights than we do. How about questioning the creditors who recklessly handed out out the credit?

Hey! You are not undefeated. We haven't filed either; however, retained BK last Sept. Will be filing in 9/09. I have a 'Short Fuse' because I live in constant pain unless pain meds are taken as prescribed. Then, my brain becomes 'muddled'. Dh knows hardly anything about BK. We just talked about this yesterday as he asked me - "What if Trustee specifically asks me a question & I don't know the answer." I explained the below paragraph:

A BK Attorney, such as ours, becomes important at 341 hearing. Why? All we've got to do is answer Yes or No! Our Attorney has already told us, we will sit done a day or two before 341, so he will be up-dated on Any Issues occurring from date of filing to 341.

Why are you worried about your wife...because of her job? How long have you lived with this contractual lease? Is it renewed each year? Do you know your landlord other than him/her being just your landlord? or is it a management firm? Yes, filing BK is public record.

Now is not that time to think you are undefeated. Seems like to me, you need to 'Plan your BK'. With your lease stating such, you and wifey (if possible) need to decide how to resolve the Lease issue before filing. If it's a Single Entity (one person, Landlord) maybe an Addendum to your lease is possible, if you sit down and talk with him/her. Might be before you file BK, look at other places to live. I'm just 'throwing out' some ideas.

I've never stepped foot in a Courthouse, nor had a speeding ticket. No, I'm not perfect, by all means...we all have some skeltons in our closet. 341 hearing issue petrified Me! I used past tense - why?

I realized in Dec. my worrying about BK needed to stop as it was affecting anyone and everything, even my little shih-tzu. I don't care who knows about our BK. Only person close to either of us who doesn't know yet is my
89 yr. old father (will turn 90 in Dec.).

As several of the moderators and many others have said:

Filing Bankruptcy is a Financial Decision and Leave Your Emotions Out of It.

I know: easier said than done. But for me, that sentence lives on in my heart and clear & sometimes muddled brain LOL! When I feel the 'panic, fear or any other effects' start, I repeat that sentence over and over, until I'm back to Normal (hmmm well as close as I can get)

Luci

in previewing, I see others have posted. Slow typist due to medical issues.

[LuciluS]

I now read further where both posted - Business Decision hehe

Luci