Hi All,
So I have made a few mistakes in my chapter 7 no assest case. I filed pro-se using the NOLO guide.
1. I failed to provide the trustee my tax refund and pay stubs 7 days prior to my 341 hearing.
Somehow I thought I was to bring my tax refund and pay stubs to the 341 hearing. Several days prior to my 341 hearing I started reviewing the NOLO guide to find exactly what I needed to bring and found these needed to be sent to the Trustee 7 days before the 341 hearing. I frantically called the trustee's office, but he was actually on vacation that week. I even tried to reach his paralegal, but they had already left for the day. I ended up finding his email address on his website and sent him an email apologizing for my mistake and informed him I would drop these off to his office and sent him electronic copies of them. I also followed up with a voice mail.
When I had my 341 meeting he seemed to be in good spirits and did not mention the fact I failed to provide him with the paperwork within 7 days. I was so nervous during the meeting I didn't ask him about it. Has anyone heard of this causing an issue with the Trustee? I google'd this on the web and could only find one refernence to dismissing a bankruptcy case. Would he have brought this up at the 341 hearing if he planned to have the case dismissed?
2. I believe I missed the deadline to reaffirm my secured assest(car loan).
I filed to reaffirm my car loan on form B8(Chapter 7 Indicidual Debtor's Statement of Intention). I thought this was all I had to do to reaffirm the debt. I was unaware that I needed to send the forms to my bank and the trustee within 30 days of filingmy petition. (Though I have hear conflicting reports on the dates, is it 30 days or 45 days after filing my petition?) I filed my Chapter 7 on 02/02/12. I claimed the car as exempt and I have never been late on the payments.
Any idea what the judge will do? I called the bank right before my filing and informed them that I would be filing for bankcruptcy shortly. I only owe 1000 on the car loan and she said that I should just keep paying the loan as I have been.
I know these mistakes are my fault and wish I would have caught them sooner...
Thank you for any advice or comments.
-Justin
So I have made a few mistakes in my chapter 7 no assest case. I filed pro-se using the NOLO guide.
1. I failed to provide the trustee my tax refund and pay stubs 7 days prior to my 341 hearing.
Somehow I thought I was to bring my tax refund and pay stubs to the 341 hearing. Several days prior to my 341 hearing I started reviewing the NOLO guide to find exactly what I needed to bring and found these needed to be sent to the Trustee 7 days before the 341 hearing. I frantically called the trustee's office, but he was actually on vacation that week. I even tried to reach his paralegal, but they had already left for the day. I ended up finding his email address on his website and sent him an email apologizing for my mistake and informed him I would drop these off to his office and sent him electronic copies of them. I also followed up with a voice mail.
When I had my 341 meeting he seemed to be in good spirits and did not mention the fact I failed to provide him with the paperwork within 7 days. I was so nervous during the meeting I didn't ask him about it. Has anyone heard of this causing an issue with the Trustee? I google'd this on the web and could only find one refernence to dismissing a bankruptcy case. Would he have brought this up at the 341 hearing if he planned to have the case dismissed?
2. I believe I missed the deadline to reaffirm my secured assest(car loan).
I filed to reaffirm my car loan on form B8(Chapter 7 Indicidual Debtor's Statement of Intention). I thought this was all I had to do to reaffirm the debt. I was unaware that I needed to send the forms to my bank and the trustee within 30 days of filingmy petition. (Though I have hear conflicting reports on the dates, is it 30 days or 45 days after filing my petition?) I filed my Chapter 7 on 02/02/12. I claimed the car as exempt and I have never been late on the payments.
Any idea what the judge will do? I called the bank right before my filing and informed them that I would be filing for bankcruptcy shortly. I only owe 1000 on the car loan and she said that I should just keep paying the loan as I have been.
I know these mistakes are my fault and wish I would have caught them sooner...
Thank you for any advice or comments.
-Justin
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