Question

[toomuch]

Hi,

We have known since Sept 06 that we would have to file for bk. Circumstances keep coming up to keep us from filing yet.

I have been using AAA money cards, which are prepaid travel cards, but like debit (Visa). It is traceable because I put a few thousand on it.

We stopped direct deposit for fear of our bank account being frozen by someone. So hubby cases his check and we use prepaid cards to pay bills, or get money orders, use moneygram, etc......

My question is, how far back will the trustee want receipts......and do I have to list the travel card and prepaid cards?

Will the fact that I haven't been using the checking account much raise a red flag that we knew we were filing??

Thanks,

Toomuch

[Flamingo]

When we filed Chapter 13 under the Old Law in 2002, we were asked for one year of paystubs and our prior year tax returns. We had to provide statements as to each and every check written out in excess of $1,000 and explanations of any deposit over $1,000 (we had to copy and submit our checking account statements). Of course most deposts were paychecks so the paystubs covered those. Of course if you don't have a checking account showing this and you are paying bills, they are going to want to know how you are paying those bills and how you are handling your finances so I am sure you will have to provide them with some sort of log of income coming in and going out since you are using "prepaid cards". You may want to investigate in your area as to what may be looked at in terms of what Chapter you file and what is required. Someone from your State and area might be of better help to you.