More questions

[blessed]

We're finalizing the paperwork on Monday. Paralegal said the petition could be ready to file on Tuesday, we'll see. I will be able to ask all of these questions then, but am wonder what you all have to say about it.

Will I need to do anything special or different for 2010 taxes?

I have been in contact with a staffing agency to find full time work (I'm working part time but am ready to send my kid to prek and am available to work more once that starts) I haven't been offered anything yet, when can I accept a new job? after the 341?

When can I give the deposit and sign the agreement for prek? after the 341?

Will my car and mortgage auto draft payments continue or should I just pay them manually to make sure they are paid? I'm keeping but not reaffirming either. Can I establish auto payments after the discharge?

What's this I'm seeing about late charges being reported on credit reports instead of zero balances? Someone tell me what that means and why it matters.

Also, any advice on cheap but decent health insurance?


You all are a wealth of info, thanks so much!

[AngelinaCatHub]

We're finalizing the paperwork on Monday. Paralegal said the petition could be ready to file on Tuesday, we'll see. I will be able to ask all of these questions then, but am wonder what you all have to say about it.

Will I need to do anything special or different for 2010 taxes? No. Probably just pay more. Next year for sure.

I have been in contact with a staffing agency to find full time work (I'm working part time but am ready to send my kid to prek and am available to work more once that starts) I haven't been offered anything yet, when can I accept a new job? after the 341? Accept one at any time. You have already put your paper work in and I doubt new income would harm you. Not unless you are a CEO.

When can I give the deposit and sign the agreement for prek? after the 341? Same as above. Life does not stop in bk. Now if you were to make an unnecessary purchase, that is different.

Will my car and mortgage auto draft payments continue or should I just pay them manually to make sure they are paid? I'm keeping but not reaffirming either. Can I establish auto payments after the discharge? Just keep an eye on the bank account or ask them. It is likely that it will stop. Just keep paying and pay through.

What's this I'm seeing about late charges being reported on credit reports instead of zero balances? Someone tell me what that means and why it matters. I don't understand what you mean. More background on this question.

Also, any advice on cheap but decent health insurance? You ain't seen nutthin yet. Don't you know 'Bammy will gif it too Yu?


You all are a wealth of info, thanks so much!

Not all of us but we all do try. 'Hub

[SMinGA]

The autodrafts will probably stop - if you have it set up so that the creditors initiate them. You may lose online account access totally. If you can still log in now though, you may want to cancel them just so you don't wonder/worry. Then set up billpay thru your bank account. You initiate it, so there should be no problem with them posting payments. **Check with the creditors though, the payment address may be different since you're in bankruptcy.

At the 341 hearing, the trustee should ask if everything in your petition is true & accurate. If you have not yet started a new job at that point - you can truthfully answer yes.

Registering, paying deposit for preK should be no issue.

No clue what state you're in - if it happens to be GA look into Peachcare for your child. I pay $44 per month for my 3 kids. But when they were under 6, it was free.

[blessed]

Hub LOL I have been dragging my feet on the health insurance waiting for Prez to hand me some, no dice.

Ok, as best I can figure from some other threads, when you are discharged your accounts on the credit report will report a $0 balance and marked as IIB. Yes? Someone was talking about late charges being listed instead of $0? Why does that matter?

And SMinGa, I did cancel the auto payments because I had to change banks. I've just been mailing the car payment and paying the mortgage with the bank's bill-pay. I hope I don't lose the online access, I love it!