filing on tuesday

[rrj]

I have a couple of questions

I am self contracted
lawyer said i did not need 3 year bank statement
i didn't have a bank statement for almost a year
just cashed my checks at walmart
i have all my invoices

I own no property
if i sold everything in my house i probably would not get over 1000.00 for everything

my husband truck is in both of are names it is an 80 pickup
title says me or him
(he has small title loan on it)
the car with the title loan is just in my name
we have 93 that is just in my husband name

all together the cars are not worth much
the van is not running
I have a title loan, I am surrender the car, have told them to come and get it

I have a few old credit cards
and mostly installments loans
with a couple pieces of personal property
I talked to about 4 lawyers and they no one ever comes for the property
(my luck they probably will)

with everything i owe it probably under 20,000
but i dont have any collateral to get a loan to put in all in one
( have tried)

my husband is not filing since all the bills are in my name
he only has 3 bills
he is a wage earner

were well beneath the medium for income for a family of 3


my question

i have about 2.00 in my checking account,
should i close the checking account
I do not owe the bank any money
do you think i should get a copy of my bank statements ?
he said i only needed this year taxes should i get a copy of 2007 2006
i really don't own a business, just self contracted

wish me luck, i go for my signing on Tues and pay the last payment
I live in TN


i just got behind and cant get back on top

[PdxDavid]

If you have no debt related to the checking account. I would not close it. It can be difficult to get a new one.

Our attorney asked for 1 month of bank statements and 6 months pay stubs.

You should probably have 07 and 08 taxes available.

Good luck.

One other thing.

[rrj]

well, i am filing today at 3:30 pm

lawyer paid in full and everything turned in,

I took a couple of calls last night, when i had the first appt, i let everyone of my nice collecters know i was filing and gave the number and a name of my lawyer about 60 days ago
but, they said untill i get a case number they would continue and they did

I have always been nice and polite, when they call
my lawyer gave me a bussiness card with a little script to read to them

last night, i talked to about 3 or 4 of them
they already had the info, i told them all that it had been a experience, but i think this will be the last phone call i will have case number soon

(one told me, you cant file this on bankrupt becouse its not on your credit report)
paydayadvace
I am hoping she is wrong

(not sure how long its takes to get a case number)

two creditors say they cant call the lawyer until i give them a case number
(federal law ? they say)
but some have called. one told me i was lieing and that I never been to the office lol
there the ones that scared me into the lawyers office
one was beating on the door and me calling on the lawyer and yelling at the window
lawyer office telling me why are listening to them lol

the lady telling me just let me in you don't want the neighbors to know, I read her the script on my card she told me i was lieing you have not been there lol

its been a ride that i have been on
but the hard ride has just began i guess

it was jeckel and hide with them
they were trying to get me a bigger loan to get all my loans on one bill
very nice, then about 1 hr when they relized it was not going to happen
he turned on me and scared me



I got my pre counseling stuff in the mail yesterday

18,000 in debt
500.00 assets

I don't think i will run into any problems

I am going to just think i am 20 instead of 40
and start planing for my future

Im going to start doing the envelope savings game
start saving for my sons college
down payment on a house

I am going to keep all my journey in this thread
I guess that will be alright

My husband is not filing since we dont have any medical bills
99 percent of the bills are just in my name
the lawyer said they can only go after him if i have medical bills

Im going to work on his credit report
I think I have to wait 2 years to buy a house
but, since he not filing he doesnt have to wait right ?


thank you
i have learned a lot in the last few days since I found this forum
wish i found it a few months ago
when i trying to stay afloat kept redoing the installments to change due dates,

[AngelinaCat]

As soon as your attorney files your paperwork, you will be given a case number.

The paydayadvance will be discharged. Just because it hasn't appeared on the credit report yet doesn't mean a thing. Now if you borrowed a sizeable amount of money only a month or two before filing, the creditor could object. But they probably won't.

Finally, if you have collectors coming to your door and banging on your windows, call the police. That is harassment and a threat to you and your household.

Good luck. I'll look for your report when you get back from filing.

[rrj]

As soon as your attorney files your paperwork, you will be given a case number.

The paydayadvance will be discharged. Just because it hasn't appeared on the credit report yet doesn't mean a thing. Now if you borrowed a sizeable amount of money only a month or two before filing, the creditor could object. But they probably won't.

Finally, if you have collectors coming to your door and banging on your windows, call the police. That is harassment and a threat to you and your household.

Good luck. I'll look for your report when you get back from filing.

thanks angelinacat

I still feel a little off about filing compared to some i dont owe anything
but, most are little stuipd installments loans, high interest and high payments

im just hoping they will look at when i took them out instead of when i was trying to stay afloat and redoing them to change the due dates,
in may i redid the one that banging on my door and i only got 20.00 when i did, i owe about 2200.00
but i have paid over the last 3 years a lot more than that,
i was stuip and kept redoing the loan

what im trying to say, is i didnt have the money to pay so i would pay and then redo the loan and get the money back
the last time i did redid i was just trying to change the due date i was running late and the next payment would of been due in two week, so when i redid it was do for 4 weeks

sorry to ramble

its been about 5 months since i took anyloans out
been over year since i took any new debts out

[JSFleischman]

This post upset me - not because the poster asked questions but because his collectors are refusing to cease collection activities until there is a case number.

Under the Fair Debt Collection Practices Act, a debt collector may not continue to contact you if you have advised him or her that you are represented by a lawyer and they have a means of contacting that lawyer. The FDCPA also prohibits contact by a debt collector once you indicate that you no longer wish to be contacted with respect to the debt.

Period.

So if you say, "Don't call me," they can't call you. And if they do, you have a right under the FDCPA to sue that debt collector and recover statutory damages of up to $1,000 plus legal fees and court costs.

Many bankruptcy lawyers don't educate their clients about the FDCPA, nor do they actively handle these cases. But that doesn't change your rights or remedies.

If your lawyer doesn't do these sorts of cases you should ask them for a referral to a lawyer who handles FDCPA work. Both lawyers can work together to ensure that your rights are protected.

Debt collectors break the law all the time. Why shouldn't they be forced to pay for their callous disregard for the law?

[rrj]

This post upset me - not because the poster asked questions but because his collectors are refusing to cease collection activities until there is a case number.

Under the Fair Debt Collection Practices Act, a debt collector may not continue to contact you if you have advised him or her that you are represented by a lawyer and they have a means of contacting that lawyer. The FDCPA also prohibits contact by a debt collector once you indicate that you no longer wish to be contacted with respect to the debt.

Period.

So if you say, "Don't call me," they can't call you. And if they do, you have a right under the FDCPA to sue that debt collector and recover statutory damages of up to $1,000 plus legal fees and court costs.

Many bankruptcy lawyers don't educate their clients about the FDCPA, nor do they actively handle these cases. But that doesn't change your rights or remedies.

If your lawyer doesn't do these sorts of cases you should ask them for a referral to a lawyer who handles FDCPA work. Both lawyers can work together to ensure that your rights are protected.

Debt collectors break the law all the time. Why shouldn't they be forced to pay for their callous disregard for the law?

there is two of them that will not call the lawyer, they said it was federal privcay something or other, they cant call untill i give them a case number
and one is saying im lieing but hopefully it will all be over today

my husband has little loan with and i go into make sure they dont try and post his money on my loan. they just smirk at me, im always nice, i tell them i am not lieing and give the lawyers name again

[JSFleischman]

They can't be forced to call the lawyer, but they should no longer be calling you.

This applies only the third-party collectors (i.e., X Collection Agency and not Chase Bank's internal collection department).

[AngelinaCat]

its been about 5 months since i took anyloans out
been over year since i took any new debts out

Then you should be in good shape.

[rrj]

I think i have everthing ready

I think I have been in denile for past 6 months, i just added all my invoices up i have about 12,000 less then i did last year,
I just could not understand the mess i was in, when you live paycheck to paycheck, i guess 12,000 adds up

i pulled all 3 of my credit reports

trans is listing 2 creditors that i paid for less then the amount owed should i list them on the bk or not

i have one there that is getting ready to fall off by its self, i think that one is in my and my husband name, if i list that one, will that make them come after my husband now

[AngelinaCat]

If you have paid the two creditors off and don't owe anything more, you don't have to include them. But I would do so anyway, as they will probably be notified by a parent company that owns one of your other creditors. That way you have your bases covered. Because you are supposed to list everyone you owe money to.

For the same reason I would include the account you own jointly with your husband. Yes, once you are discharged, they might come after your DH, since he isn't filing.

Good luck!

[rrj]

I work nights and i stayed up all day to go file
so i crashed when i got home lol

i am officially filed

they said i would get a case number in couple of days

think the lawyer thinks i ask too many questions lol
pretty much bankrupt mill but that is all i can afford
there pretty nice

I have made 10,000 last then last year
i dont own any land or property, anything really of value
my comuputer is over 5 years old, i have old furnture
my tv is a floor model about 20 years old lol but it works


my income will be about 17,000 for 2009 less expense
I made 27,000 in 08 less espense
im self contracted cable and phone come off my invoices

I owe over 18,000





I didnt not relize i had made that much less,
now just wait for 341 meeting
I say my taxes will come up, I owed last year, but now that i made less i might get a small refund,

[rrj]

just trying to fix my signature on here

[rrj]

I recived my case number today, now the waiting game starts,
i checked on pacer and punched in the case numer and about 10 cases came up with the same case number (is that normal same case number) but mine name was not on there, i guess it too soon for pacer

[OhioFiler]

Most case numbers are unique.