This year we got a 9,000 tax refund due to special needs adoption of 2 children. The money went for odds and ends and we had to install new flooring in the house and replace the water heater and some toilets. I know the trustee will ask what happened to that money as we had stopped paying CC's and were using a debt settlement company. I guess I could show him what we were paying to them.....?????
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Originally posted by jwdad View PostI have the receipt for the new flooring and the bathroom and water heater work. I can account for about 5500 of it and the rest was just used on odds and ends. No way to prove all that I guess..What would a trustee normally do in a case like this?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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Originally posted by jwdad View PostI have the receipt for the new flooring and the bathroom and water heater work. I can account for about 5500 of it and the rest was just used on odds and ends. No way to prove all that I guess..What would a trustee normally do in a case like this?Discharged 1-25-10
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Perhaps you could go through your bank statements and reconstruct how the monies were spent. If you took it out in cash or via ATM or debit card you really might be able to figure out how it was used. Odds and ends--movies, gas,groceries, medicine. If you used a debit card then most of your bank statements should have a record of the store or place you spent at. Cash is harder to remember how spent. It's a pain to reconstruct, yet, it might be helpful for your BK.Filed Chapter 7 August 18,2009
341 scheduled for Oct 7, 2009--DONE!
Report of No Distribution Oct 8, 2009
Discharged & Closed Dec. 14, 2009
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On the bankruptcy forms it has a spot to put how much u paid for debt counceling ect..I put on mine the amount I paid to the "scumbag" debt settlement guys. (it makes me feel better when I call them names . I hope the trustee goes after them for the money. I already have the Attorney Generals office in my state looking into it for me... Its probally all in vain but at least I am trying ....
Oh by the way I am filing a 13 and it was on that form , not sure about a 7...Those who live in glass houses should not throw stones
Chapter 13 filed 10-21-09
Discharged 4-13-15
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I am thinking I will be okay on this. I have to replace our flooring in our house and that ran 4500. IT was in bad shape and we removed the carpet and went with a cheaper laminate since my wife has asthma, 2900 went to debt settlement company that did almost nothing for us and the rest I helped my unemployed son and his pregnant wife with some walmart trips for food etc. We also settled a 1,000 debt in the first 3 months of this year.
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