filing on tuesday

[rrj]

i just check pacer, now i have to stay away from pacer before i rack up fees lol
341 meeting dec 21

[rrj]

341 meeting dec 21

[OnTheRocks]

I filed same day as you and have my 341 Dec 21st also

[rrj]

now im a little worried my pay always goes up this time of year around christmas,
i am independent contractor, my dec 15 check will be a little bit more then normal

i have averaged 1300.00 a month for the past 6 months. will they frown upon my check on dec 15 when i go to the 341

i can show my invoices the last 3 years always a bigger check in dec

we are 30,000 under the means for are state

I wish i could change my title of my thread,
my journey from filing to discharge

[DownNotOut]

now im a little worried my pay always goes up this time of year around christmas,
i am independent contractor, my dec 15 check will be a little bit more then normal

i have averaged 1300.00 a month for the past 6 months. will they frown upon my check on dec 15 when i go to the 341

i can show my invoices the last 3 years always a bigger check in dec

we are 30,000 under the means for are state

I wish i could change my title of my thread,
my journey from filing to discharge

Bankruptcy is a "snapshot" of your situation on the day you file. It will not matter how much you make in December since you have already filed.

[rrj]

i wanted to see what you all think about this

i have a credit card, me and my mother have the same first name

well, one of my credit cards, was calling my mother and demanding her pay this bill becouse they said it was hers, she asked them what ssn they had and they gave her myssn number and she said that is not my number, and that she does not live at that address
their words to her was, well of course you dont you moved so we could not find you

i have lived at the same house for 10 years 500 miles away from my mother
they had my correct address
they have called her more then once, i have called them and told them to stop calling her and they said they would but they contitued

now that i have filed, should i just let this go or should i do something about it

[rrj]

I have started working on my jorney to live a life not depenent on credit.

I went to the library today to check out Dave Ramsey book it was out so I got one of Suzie orman books and put a hold request for daves book

awhile we were there we found they rent movies a lot of old kids movies
that one expense i can cut. my sons loves to pick movies out to rent.
3 days loan, no money
i never knew the libary loaned movies

i went to the libary online site and downloaded some credit repair books
i have a lot of work to do.

you know if i had found this site before i was already in the process of filing. I probably could of got our credit cleaned up and got out of this mess

thanks for listening to me ramble

[kw1025]

have bank statements going back atleast 6 months for your attorney, and be ready to explain any major perchases (over $500) and cash advances. You do not need to close the account, just don't have any direct dep etc.

[rrj]

for about 2 months in the past 6 months i had no checking account
i cashed my check at walmart and paid the bills

checking account was messed up thought i owed the bank more then i did
bank had not sent me any letter, everyone once in awile walmart will get a glitch and wont cash check
check cashing places want to charge me over 100.00 to cash the check
so, i took my chances last month and showed up at the bank, I only owed them 98.00 to get my account back in good graces, I guess that wont be prefential payments ?

i have all my invoices for the ones i cashed at walmart and the direct depoists
for the ones that went in the bank

[kw1025]

Dont look to much into this. The BK trustee just wants to make sure you are not funneling money to swiss bank accounts or somehting. Just know where all spent money went.

[rrj]

Dont look to much into this. The BK trustee just wants to make sure you are not funneling money to swiss bank accounts or somehting. Just know where all spent money went.

dont have enough money to be funneling anywhere lol

[kw1025]

prove that to them!

[rrj]

tomorrow is the day. just a little nervous but hopefully its a start at a new life
My husband credit is cleaned up so hopefully we can buy a house in a couple of years

[mtbc]

My impression has been that a preferential payment has to be a few hundred dollars before they think about starting to care. It costs them time and money to try to avoid it.

[rrj]

I had my 341 Monday morning

everything went well, I own nothing, I have no assets
it lasted under 5 min

I'm going to start over and make some major changes
,

I would like to buy a house in about 3 years, im going to start saving for down payment

My husband did not file, but i make more then him so i guess My credit would have to be pulled for a loan.

cant believe the stuff i heard, this is year 2009... how can people think they can hide stuff,