I will be filing Chapter 7 in January. Since my only income since 2004 has been from self-employment, I am trying to put together as much documentation as I can before I call the lawyer next week. Hopefully I won't need it, but I'm trying to collect 4 years tax statements, 2 years bank statements, and 3 years credit card statements.
A few questions:
1. I am a sole proprietor, and I've used my credit cards for both business and personal expenses. I don't have separate cards for my business expenses, because my business was really small: less than $20,000 gross each year. Over the past 3 years, most of my credit usage has been for business expenses like buying stock and online postage for my business. How does this affect my petition and what documents they'll want to see?
2. I have almost all of my credit card statements, but I'm missing a few from 2008. On the off chance that the trustee wants to go back that far, do I absolutely have to have every statement from the designated year?
3. Also, in the unlikely instance that I need 3 years of bank statements, it will be difficult to get the ones from 2007. I had an account with NetBank, which of course closed in 2007. Unfortunately I didn't print my NetBank statements before the website went down. The account was taken over by ING Direct, where I still have an account. However, they told me they will only produce NetBank statements if I obtain a subpoena or court order. Would a bankruptcy lawyer be able to send them a subpoena? How much would they charge me to do this?
A few questions:
1. I am a sole proprietor, and I've used my credit cards for both business and personal expenses. I don't have separate cards for my business expenses, because my business was really small: less than $20,000 gross each year. Over the past 3 years, most of my credit usage has been for business expenses like buying stock and online postage for my business. How does this affect my petition and what documents they'll want to see?
2. I have almost all of my credit card statements, but I'm missing a few from 2008. On the off chance that the trustee wants to go back that far, do I absolutely have to have every statement from the designated year?
3. Also, in the unlikely instance that I need 3 years of bank statements, it will be difficult to get the ones from 2007. I had an account with NetBank, which of course closed in 2007. Unfortunately I didn't print my NetBank statements before the website went down. The account was taken over by ING Direct, where I still have an account. However, they told me they will only produce NetBank statements if I obtain a subpoena or court order. Would a bankruptcy lawyer be able to send them a subpoena? How much would they charge me to do this?
Comment