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Questionable Charges?
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In short yes the CC COULD argue that a portion of the debt should not be discharged. Will they, no it's not worth the time or cost.3/2/09- Filed: chapter 7 / No asset
4/1/09- 341 Hearing: 1 creditor showed up Got to love family feuds
4/2/09- Trustee Report of No Distribution Filed
6/24/09- Discharged and case closed
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I wasn't so much worried about the wine as the obvious vacation in mid june. Not just the hotel but like I said theres hundreds/thousands in food and gas. But then again, I went to alabama and I doubt many people would view going to alabama as a vacation.Filed 10/8/09
341 11/2/09
Last Day For Objections 1/4/10
Discharged 1/5/10
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Tell them you needed the wine in order to read your credit card agreement. It relaxed your eyes enough to zone in on the small print.
I was concerned about a few charges I had as well (the majority were basics...food, gas, household). One charge, in particular, was a $200 group baby shower gift. My attorney wasn't remotely concerned. Plus, I had paid more than this amount in the three months prior to filing.*Filed: September 23, 2009 *341: November 4, 2009 *Discharged: January 4, 2010 *Closed: January 20, 2010
Hakuna Matata...it means NO WORRIES!
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I used a cc the day of and the day before I filed to get food and gas plus pay some utilities. Total of about 400 bucks or so. I had 3.27 in the bank at the time minus the fee I needed to give the attorney.
Never heard a word from it.3/2/09- Filed: chapter 7 / No asset
4/1/09- 341 Hearing: 1 creditor showed up Got to love family feuds
4/2/09- Trustee Report of No Distribution Filed
6/24/09- Discharged and case closed
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You should be fine... I was using one of my cards up till about a month before I filed... everything from gas, dinner, clothing, and we bought a cheap tv at best buy in april. I also had balance transfers and we even purchased our wedding rings on credit in May (felt really bad about that) but nothing was questioned.BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
Scores: EQ 745 EX 704 TU 710 as of 08/15/2012
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Originally posted by whipster1 View PostYou are fine, I had to buy 40 in gas the day I filed...haven't heard a peep.Filed 10/8/09
341 11/2/09
Last Day For Objections 1/4/10
Discharged 1/5/10
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It's a bunch of small charges and nothing really stands out...you should be fine I don't think the Trustee has the time go through your small purchases with a fine-tooth comb and I doubt the creditors will challenge any of these charges.May 2008 Hired 1st Attorney/Stopped paying CCs
May 21, 2009 Retained 2nd Attorney
May 28th - Filed for Ch 7 (FINALLY!)
9/11/09 - DISCHARGED!!!!
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Originally posted by liz417 View PostIt's a bunch of small charges and nothing really stands out...you should be fine I don't think the Trustee has the time go through your small purchases with a fine-tooth comb and I doubt the creditors will challenge any of these charges.Stopped Payings CC's: 8/14/2009 | Retained Attorney: 9/23/2009 | Filed CH 7: 12/7/2009 | 341 Meeting: 1/21/2010 - Complete | Discharged: 4/9/2010
"One person pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth."
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Originally posted by LimpDisc View PostI'm not sure it's really the TT that goes through the individual charges. I would be more concerned about what the actual creditor looks at on the account.May 2008 Hired 1st Attorney/Stopped paying CCs
May 21, 2009 Retained 2nd Attorney
May 28th - Filed for Ch 7 (FINALLY!)
9/11/09 - DISCHARGED!!!!
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Originally posted by liz417 View PostNo, the Trustee doesn't, but he has assistants that check things out, but I doubt that they have time for such small charges, they are looking for "bigger fish to fry." Also, I doubt the creditors will challenge any of the OP's changes, it's just not worth the $$$ (this is only my opinion and my experience at MY 341).Stopped Payings CC's: 8/14/2009 | Retained Attorney: 9/23/2009 | Filed CH 7: 12/7/2009 | 341 Meeting: 1/21/2010 - Complete | Discharged: 4/9/2010
"One person pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth."
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Originally posted by LimpDisc View PostI'm not at all doubting that you're correct, but you never know about a creditor getting a wild hair up their butt.Well, I did. Every one of 'em. Mostly I remember the last one. The wild finish. A guy standing on a station platform in the rain with a comical look in his face because his insides have been kicked out. -Rick
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