This will be my update thread

[fatjay]

I am in the final days of waiting to file..just waiting to get a car out of my name as some you know and then I will file..Looking at early next week with any luck...Ill keep everyone posted..

Thank you to everyone!!!

J-

[doni49]

I am in the final days of waiting to file..just waiting to get a car out of my name as some you know and then I will file..Looking at early next week with any luck...Ill keep everyone posted..

Thank you to everyone!!!

J-

Aren't you concerned about transferring property? It seems like that's going to raise a lot of flags.

[AngelinaCatHub]

Aren't you concerned about transferring property? It seems like that's going to raise a lot of flags.

'fatjay' you have been around long enough to know. Please explain this car "out of my name" thing. This is VERY traceable and when you file and go to a 341, you will be under oath (as well as your forms are) and this becomes a felony if you perjure yourself. I hope you can clear this one up. Thanks. 'Hub

[fatjay]

the car is currently in both our names...we were in the middle of doing a refi when I got sued...my girlfirend did the refi in her name only also there is no equity in the car hence no asset

[fatjay]

After speaking to my atty...he says that there is a place to list property that has been transfered...we will list it they will ask about it and then move on...seems to think there is nothing to it...I think thats due to the fact that we can show it in both our names no equity and that fact that the process was started before the BK...and we got a big time cut in the intrest rate...

[fatjay]

It is offical...today 11/23/2010 my papers have been filed and I have started down the road of BK...on to the 341..keep you all up to date

[tcreegan]

Way to go fatjay!! Congratulations!

Tom in Colo

[fatjay]

Already feels like a big load has been lifted...still dealing with the guilt of doing it though...all that good credit is gone and that work was for nothing...though I have learned many lessons along the way...having a do over...well they only come along once if you're lucky.....I WILL NOT WASTE IT!!!

[fatjay]

341 is set for Monday December the 27th......Atty said to keep a look out for a letter from them requesting information or documents...

any ideas on what that may be??

[tcreegan]

Hi fatjay,

It will be bank statements, tax returns, other financial documents. Here is a link to an AZ trustee to give you a feel for you might get (remember all trustees are different so what they want might be different)

http://www.phxbankruptcy.com/pdf/debtor.checklist.pdf

Happy Thanksgiving!

Tom in Colo

[fatjay]

Thank you for the info..Hope you have a great holiday and have plenty to be thankful for!!

[fatjay]

2nd cert class complete....took about 2 hours, did it online cost 12.50....It was long but it also taught me things I didnt know and reminded me of things i forgot...well worth the time...

[oregonpilot]

AWESOME fatjay. Onward and UPward. Dec 27 will be here B4 you know it.

[fatjay]

Just waiting for the list of demands from the trustees on what I need to bring and Im as ready as ill ever be....

[fatjay]

Started receiving notices that my CC are being canceled due to them BK being filed..