Two quesions concerning the forms

[thaynes]

I am filing pro se and will be filing chapter 7. I'm doing this because I just cant afford an attorney. In doing the forms, I realize how precise the courts like the papers to be, both in filling out, number of copies, and in the order they are presented. So I would like to get these right. I would appreciate any help that someone can provide. Thanks in advanced.

Question 1) I am filing joint with my wife. On most of the forms, there is the RE: and then a line to fill in your name. Since we are filing joint, how do we put the names down? Do both names go on all of the forms? If so, there isn't much space on the forms for this, especially since I read that the Calif Eastern District court wants it all in 12 pt font. I also see that some forms have both names on it so that would be covered as far as who is filing. So does anyone know what the protocol is on this?

Question 2) I recently had my home foreclossed on but only the first mortgage was forclosed on. I had a second mortgage (a HELOC actually) that although they are not coming after me, I would like to list it since it shows that I owe $60,000 on my credit reports and I would like to get rid of it once and for all. (my first shows $0 owed now). Would I put this down in the secured debts form (Schedule D) even though nothing is securing it anymore, or on the unsecured debts (Schedule E)? Or would this go on another form altogether?

Thanks again.

[KKAB]

To question 1 you could do Bob R. and Tina M. Smith on one line as we did, or if you have long names put them on separate lines. But yes, both names on all forms except the credit counseling in which you each need you own form filled out. CA sounds quite picky on their forms! I don't have an answer to question 2....hopefully somebody will come along and help ya out!

[BKParalegal]

In regards to the second question, if the home has been foreclosed on and it is out of the redemption period, then it is an unsecured debt at this time. Also make sure you list the first mortgage even though it says $0, a deficieny may be in the works. Lastly, make sure you list the foreclosure in the SOFA(Statement of Financial Affairs) Q#5.

Good Luck

[thaynes]

Great. Thanks for the answers guys. This forum is the greatest out there that I can find and well deserved of any credit.