Yesterday at the Trustee Meeting I could not believe my ears! Court was set up in New Orleans and the 2 rooms were filled with people (65 cases) like myself and my husband. Everyone that was presented in front of the Trustee filing their Chapter 7's were asked the same questions of course.
Almost everyone that did own a home had insurance claims against their insurance companies because of Hurricane Katrina. To my disbelief, the Trustee wanted to take the contents portion of their checks and the living expense checks from the insurance companies that were given to the chapter 7 filers. We are talking about people that lost everything. Clothes, furniture, beds, coats, pot and pans, plates, everything contents would pay for!
I cant understand this. Is this really possible? She said if it was structual you could keep that portion of the check to rebuild or repair, but contents and living expenses were to go to her. I am in total shock over this and could not sleep over it last night.
We filed Pro Se. I made errors. I have to file Amendments and have to turn them in within 10 days. Trustee, said that I had 50.00 on hand, she was entitled to it, and for our $2000.00 insurance check for living expenses. I wrote this in on the Schedule C report as expenses and that they were exempt with the codes next to it. She stated that these were not exempt and that I needed to Amend this. I found this info in the NOLA Book. What if I do not have the 2000.00 anymore. We had expenses! She also wanted our bank statements for the month the hurricane hit. She will want the monies that were in the account before any Fema and Red Cross monies were put in. I am totally confused in what to do with these Amendments and Why? Please help me figure this out.
Also, I have been in the process of a class act medical law suit for 3years. They are about to settle and she said to turn that over to her also. I read that if this lawsuit was going on for over 2 years that this did not have to be turned in.
I want to add, all other cases went rather smoothly, I thought our would also, but when we got up there, we were the 2nd to last case with no other people in the room, except one other and she really questioned us and said you cannot exempt everything. I am really confused. We were not hiding anything. We were very honest, but I think made errors that made us not look so good. She even commented that we chose to do this without a lawyer and this is what happens.
Please share your wisdom!
Almost everyone that did own a home had insurance claims against their insurance companies because of Hurricane Katrina. To my disbelief, the Trustee wanted to take the contents portion of their checks and the living expense checks from the insurance companies that were given to the chapter 7 filers. We are talking about people that lost everything. Clothes, furniture, beds, coats, pot and pans, plates, everything contents would pay for!
I cant understand this. Is this really possible? She said if it was structual you could keep that portion of the check to rebuild or repair, but contents and living expenses were to go to her. I am in total shock over this and could not sleep over it last night.
We filed Pro Se. I made errors. I have to file Amendments and have to turn them in within 10 days. Trustee, said that I had 50.00 on hand, she was entitled to it, and for our $2000.00 insurance check for living expenses. I wrote this in on the Schedule C report as expenses and that they were exempt with the codes next to it. She stated that these were not exempt and that I needed to Amend this. I found this info in the NOLA Book. What if I do not have the 2000.00 anymore. We had expenses! She also wanted our bank statements for the month the hurricane hit. She will want the monies that were in the account before any Fema and Red Cross monies were put in. I am totally confused in what to do with these Amendments and Why? Please help me figure this out.
Also, I have been in the process of a class act medical law suit for 3years. They are about to settle and she said to turn that over to her also. I read that if this lawsuit was going on for over 2 years that this did not have to be turned in.
I want to add, all other cases went rather smoothly, I thought our would also, but when we got up there, we were the 2nd to last case with no other people in the room, except one other and she really questioned us and said you cannot exempt everything. I am really confused. We were not hiding anything. We were very honest, but I think made errors that made us not look so good. She even commented that we chose to do this without a lawyer and this is what happens.
Please share your wisdom!
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