i want to quit...does trustee monitor your income after filing a "no-asset" report?

[bnkrpt]

I am married and filed alone for Chapter 7 as my problem debts are in my name only and we share no credit cards. At the hearing I was told this was going to be closed as a no-asset case. I have checked PACER and the status is "awaiting discharge".

My question is, does the trustee monitor income after the hearing? I want to know because the part time job I have right now barely pays my portion of the bills at all, and i'm considering quitting the crappy job and taking a few months off while my husband supports me (it will be rough but he is willing to do this for me). i'd like to possibly start a home business now that I shouldn't have all these cc bills, etc. I also am starting to have more problems with my wrists because of the nature of my current work. (i have carpal tunnel like symptoms that have been plaguing me for the last 3 years).

If I quit my job, will the trustee find out about it and make a complaint that I did not file in good faith? i am still employed currently, but am thinking about quitting for the reasons listed above. but I don't know if I should wait till after receiving the discharge or if I can go ahead and quit.....?

[3131tj]

I am definitely a newbie BUT I asked my att'y this same question and he said that after you have filed whatever you do after is not an issue. Hope this helps!

[bnkrpt]

thanks for the reply! i'm still vacillating between keeping the job until the discharge, just in case, or quitting in the next few weeks. i may just ask to reduce my hours...i guess i'm afraid of them finding out, deciding i'm a deadbeat or something and i don't "deserve" a discharge...

[shadowb]

Does the same go for a 13

Does the same apply, i.e. does it matter what you do after you file 13. I ask this because I currently work part-time. Because my income is considered "reliable", the trustee wants to suck as much as she can from my checks, which leaves me a whopping $29 and some change. This is after the money for the plan plus my benefits all come out. My concern is at this point for the next 5 years I can't take one hour of sick leave, or there won't be money in my check to cover the plan. My fear is if I work more hours will the trustee look at my paychecks down the road and try to suck more money?

[CATCHMEIFYOUCAN]

I'm writing this based on my personal experiencing having gone from filing Ch13 and converting to Ch7. I was in Ch13 because of 2 full-time jobs. My plan of $250 was never confirmed. Before it could get confirmed, I decided it was best to quit 1 of my jobs (only because the Trustee objected to my plan of $250 and wanted $800 BIG DIFFERENCE).

To make a long story short I quit my day job. I not only picked up a poop load of OT on the night job (I'm talking 60-80 OT a week) and this was on going during and after my conversion. IT WAS BIG RISK I could have been audited. But I was successfully discharged.

Regards, Catchmeifyoucan

[FreshLikeADaisy]

Bnkrpt, 3131tj is right. Because you're in a Chapter 7, and Chapter 7 is basically a snapshot of your finances *on the day you file*, there's really very little interest in earned income gotten AFTER you file. There are some types of income you have to report, such as inheritance income, but what you make on the job shouldn't be an issue after you have filed.

Unfortunately, I think the opposite is true in a Chapter 13, and under some circumstances if you make more they can take more, but I don't know the particulars. Shadowb, I'm not really sure what the parameters for a 13 are, so maybe someone else will chime in with better info, or you could post this question straight to the Chapter 13 area. In the meantime, good luck to you!!!

[CATCHMEIFYOUCAN]

Ch 13

Unfortunately, I think the opposite is true in a Chapter 13, and under some circumstances if you make more they can take more, but I don't know the particulars. Shadowb, I'm not really sure what the parameters for a 13 are, so maybe someone else will chime in with better info, or you could post this question straight to the Chapter 13 area. In the meantime, good luck to you!!!

They will know what your income was when you file your taxes year to year. So far I heard, most Trustees want a copy of your taxes and so much of your refund. But every state is different.

Best of Luck, Catchmeifyoucan