First i would like to mention i have been largely unemployed for 8 months. prior to this time i have never missed a payment on anything and i have never ran bills up with intent to ditch them. However, I have been put into the chapter 7 boat, with a gross reduction of income and 12k credit card debt and 69k in a heloc, on top of mortgage and regular monthly expenses. My concerns are this. When laid off 8 mths ago i cashed a savings account in and took the 8k and put it up in my house. I was sending only partial payments or a bimonthly payment to my second mortgage and i didnt want them freezing my savings account and claiming my cash. 5 months went by and i got a job with overtime which lasted only ten weeks. As i went back to work i send chase bank a lump sum of 3k which caught up my 2nd mortgage. I knew my job was only a short call, so instead of paying my 2nd i stashed all my extra money. Mind you, at this time i thought a loan remodification was going to be enough, and i had no intention on filing a BK. Once i got laid off i did my budget and with a shortfall of 1500$-2k$ a month i realized a bk was my only option (my wifes hours were cut in half).
So i made plenty of money for 3 months to pay all my bills but chose to save it. I never put my whole check in the bank, just what was needed to cover bills. I cashed at the casino and then deposited what i needed. Now im filing my paperwork and im concerned because the payroll receipts show plenty of dough but i wasnt sending chase the 1100$ a month. Is this something i should be concerned about. I was laid off for 5 mths prior to making this money. My savings was closed 7 mths ago and my attorney is only asking for records 6 mths back.
Cash, i have 8k savings left. 2k attorneys fees, which leaves 6k to move my family into a new house and cover emergency expenses till who knows when i get a job. For obvious reasons im reluctant to tell the trustee about it, but im nervous because the paper trail is a little shakey. I just cant imagine leaving the courtroom homeless with 2 kids and no money to move into a place to live.
Second concern, i sold a dirt bike and pawned off a couple guns about the time i first was laid off. dirtbike was 1800$, and guns for like 300$ i honestly dont have the cash, and who knows what i did with it. is he gonna jump me about that? do i need to tell the trustee and just cross my fingers?
Guns, i still have a few and a couple are family heirlooms. I was gonna list all of my handguns because they are registered, but do i really need to list my rifles?
lastly, i have one dirtbike in my garage and its the one thing my wife dont wanna list. here in nevada we dont need to register them, and its been paid off for 2 years. i have a title, is it really dangerous to not list it. How deep do they look
Im listing a 20 acre parcel, a 3 acre alpine parcel, 2 trailers a small boat, and like 4 guns. am i satan for trying to hold onto a dirtbike a couple rifles and 6k dollars? sorry this was so long, im really really trippin over this
So i made plenty of money for 3 months to pay all my bills but chose to save it. I never put my whole check in the bank, just what was needed to cover bills. I cashed at the casino and then deposited what i needed. Now im filing my paperwork and im concerned because the payroll receipts show plenty of dough but i wasnt sending chase the 1100$ a month. Is this something i should be concerned about. I was laid off for 5 mths prior to making this money. My savings was closed 7 mths ago and my attorney is only asking for records 6 mths back.
Cash, i have 8k savings left. 2k attorneys fees, which leaves 6k to move my family into a new house and cover emergency expenses till who knows when i get a job. For obvious reasons im reluctant to tell the trustee about it, but im nervous because the paper trail is a little shakey. I just cant imagine leaving the courtroom homeless with 2 kids and no money to move into a place to live.
Second concern, i sold a dirt bike and pawned off a couple guns about the time i first was laid off. dirtbike was 1800$, and guns for like 300$ i honestly dont have the cash, and who knows what i did with it. is he gonna jump me about that? do i need to tell the trustee and just cross my fingers?
Guns, i still have a few and a couple are family heirlooms. I was gonna list all of my handguns because they are registered, but do i really need to list my rifles?
lastly, i have one dirtbike in my garage and its the one thing my wife dont wanna list. here in nevada we dont need to register them, and its been paid off for 2 years. i have a title, is it really dangerous to not list it. How deep do they look
Im listing a 20 acre parcel, a 3 acre alpine parcel, 2 trailers a small boat, and like 4 guns. am i satan for trying to hold onto a dirtbike a couple rifles and 6k dollars? sorry this was so long, im really really trippin over this
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