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    A few questions....

    I was getting some more paperwork together for my attorney tonight. YAY! I found those two paystubs that were missing. I was also trying to get the last years statements on my CC's in case they shut me out after this ball starts rolling. I cannot afford to pay for copies of my statements at the rates I have seen some of you post.

    What I found was this:

    Chase: I have not used the card in over a year but faithfully pay the minimum plus a little more. (I forgot that they had lowered my credit line by 5,000 via a letter in the mail) Tonight when I attempted to go on to print statements I was locked out already. Odd since the account is in excellent standing.

    Discover: I entered into a 9 month 'hardship' program with them back in Aug 09. I agreed to a freeze on the account and auto debit of $100/month from checking. It is now 12 months and the account is still frozen (I am fine with that.) however the auto debit continues and there is no way to cancel it online.

    In looking over some charges on other accounts I ran into some things I want to question you all and I will be sure to talk about this with the attorney. I kinda just want a second opinion.

    I bought my son an ipod back in May, I consider this a 'big purchase'. $176.00 I have made several hundred dollars, nearly a thousand in payments to that card since but not 6 months of payments. Red flag?

    If you make a big purchase like that as long as you have stopped using the card and pay that amount back will you be ok if it has not been 6 months or do you wait? Does that make sense?

    Last one. My car payment is done in 7 months. It is $500/month (I signed up to pay extra so I would pay it off in 4 years instead of 5.) I need to reaffirm because the only other car we have is 11 years old and 200,000 miles. If I do not file in the next month will that figure in as future income as our bills would drop by $500 or do they just look at what your bills are at the time of filing. I hope this makes sense. It is late and I am ready for bed. In my head I know what I am asking, I just hope it translates.

    Thanks,
    Ugh!
    I am NOT an attorney. This is NOT advice.

    #2
    UghUghUgh! I want to say your name as an exclamation. :]

    About your inability to access your Chase online account, I don't know if it is customary for them to lock you out if they get wind that something is going on or if another account (the Discover) is in arrears. However, I think you should try again tomorrow morning or try once or twice more to get in at other times. Maybe the site is busy or there are maintenance issues -- you should rule those out.

    For the Discover, you should be able to stop that at your bank if it's time, and it does sound like it may be.

    The price of the iPod -- methinks you're sweating the small stuff. But this isn't something I know that much about so I'll refrain from commenting on your questions about recent purchases and recent credit card payments. In my own case I became unable to pay on my credit card accounts about 10 months before the filing was made.

    Good luck.
    11/2008 - Filed Chapter 13
    02/2010 - Chapter 13 dismissed
    08/2010 - Filed Chapter 7 pro se in new district
    09/2010 - Chapter 7 341

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      #3
      Ugh, to build on empowered's reply:

      The ipod is no big deal. Generally they're looking for bigger dollar amounts, over 500 or so in a single transaction. If they claim the ipod as having been fraudulent, what are they gonna really do? Spend the money and time it will take to file an AP over 176? I think not.

      The payment to a single creditor, yes list it. And don't sweat it. If it becomes deemed a preferential payment, that is between the trustee and the creditor, you're out of that loop.
      Stopped paying: 08/10, Filed CH7: 08/27/10 , 341 & No Asset Report: 10/6/10, Last day to object: 12/06/10, Discharged: 12/07/10, Closed: 12/08/10
      AHEM.....NOT AN ATTORNEY, NOT ADVICE, ETC, ETC

      Comment

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