Filed now received an overdraft notice for a reversed provisional credit!

[MzPriscy]

Filed for Ch.7 5/11 and 341 scheduled for 6/24. Now received a notice from Wachovia stating a dispute credit we received was reversed. They want the money. Could this be added to the petition after it has been filed?

I was told the trustee would ask me if I have any other debt under oath in the 341. This would be something not disclosed at time of filing because I was unaware that the investigation would not be in our favor.

Please advise...any thoughts would help me!

[SMinGA]

When did the credit happen? If it was before you filed, I believe this would count as pre-petition debt. Best to speak to your attorney to find out for sure though.

[MzPriscy]

When did the credit happen? If it was before you filed, I believe this would count as pre-petition debt. Best to speak to your attorney to find out for sure though.

If only my lawyer would call me back!!! I leave messages but nothing.

Credits posted on 5/4 and BK was filed 5/11.

Do I just disclose it at the 341?

Most of my creditors are actually going to get paid back due to a personal injury suit that I just found out is closing earlier then anticipated.

[justbroke]

If the provisional credit was done pre-petition then the post-petition withdrawal of the credit should be dischargeable. In other words, you can just add the money you owe the bank to your Schedule F and be done.

This does not need to be disclosed at the 341 Meeting as it has nothing to do with the Trustee.

[MzPriscy]

If the provisional credit was done pre-petition then the post-petition withdrawal of the credit should be dischargeable. In other words, you can just add the money you owe the bank to your Schedule F and be done.

This does not need to be disclosed at the 341 Meeting as it has nothing to do with the Trustee.

I guess my lawyer needs to do that. If I could only get him to return my calls prior to the 341 on 6/24.