TOO STRESSED by all of this...

[MyLifeisaMess]

Hiya,

I have been studying bk further this past week (since my last post). My money/cc nightmares recur, and its been soo long since I have had decent sleep. In my dreams, I feel that everyone is trying to take everything from me, whether it be the "so called ex", credit card companies (who have left me alone pretty much so far), or possible bk in my future. All I have is a car, some extra money sitting in my bank, and my son. Thats all I have.

I have my temp hearing for the divorce this month. He is asking for his name to be taken off as co-signer to my car. The title is in my name alone. I have researched this, which intells me getting the car refinanced. I do not know if it is even possible to get it refinanced now; I believe my credit just plain suxs now. I realise he is requesting this, I do not know what the court will do on this request. But I am one to always look ahead.

Finally I found a post explaining exactly what is expected to be brought into the attorney!!! I saw that I would probably need to provide 3 months worth of bills, which brings out another consern. 2 of my bills are still in my landords name (who is also my boss). When I was told to go live in my car, (by the so called ex); I was offered the apartment the next day. He suggested to keep the water bill in his name to avoid the $250 re-connect fee they would tack onto me. He then suggested to keep the elect. bill in his name also. He passes the bills onto me, and I pay them, and it just hasn't been a problem at all. I think in the beginning, he hoped that things might work out between my spouse and I (who wants to see a divorce happen), and if I chose to go back, there would be no need to switch those bills yet again. But I chose not to return, and he proceeded to help further to find an attorney willing to take "payments" from me, to get the divorce started.

Will a trustee have an issue w/a couple bills being in landlords name?

God Bless my employers!! Very special people I work for/with, and I do adore my job. Its Saturday, I'm working Overtime again

So tired though

[FilingOnMyOwn]

As long as you are the one paying for your utilities, thats all that matters. Doesn't matter whose name the bill is in, I imagine you can probably prove to the trustee by the checks you've written to pay them. I don't think 3 months of bills is necessary, although more ideal. You just have to know all of your debts, whether it be bills or just the names, phone#, and addresses of your creditors which would all be listed on your credit report. You should pull all 3 to be thorough. All the trustee generally asks for are 2 months of bank statements, a couple pay stubs, and miscellaneous things like titles, deeds, ID & SS card etc.

[SinkingFast]

Our propane bill is in our Landlord's name. The Bottled Gas company comes and fills the tank, bills her, and she pays the bill. We pay her a "budget" amount every month. The terms of the "budget payment" were also set forth in our Lease. So there's a written statement how the agreement was established. Our Landlord has given us copies of the statements from the Propane Company, and we have our checks/Cashier's Checks which show we pay rent and $X for propane each month.

Our attny accepted that info as proof that we pay the Propane bill.

Like Filing said, it shouldn't matter who's name is physically on the acct. It's who pays the bill. Maybe as a CYA, get a back dated "Lease Agreement" signed with your boss that stipulates the terms you described here. That certain utilities will remain in his name but you are responsible for paying the monthly bills directly to the appropriate utility. Then you have a written agreement with your Landlord in addition to your cancelled checks as proof of payment.