love and bk?

[floridian]

ok, its a long story, so ill cut out the mushy part... as you recall, im 13 bait due to excess DMI... i looked everywhere for deductions, to no avail.... someone suggested i get married, or something like that...

well guess what (no, i didnt get married)... i ran across a very attractive girl that really caught my eye, while i was riding my motorcycle.. we talked briefly and she walked away... the next day, i couldnt get the girl off my mind, so i went back to the lake where i saw her the day before and we just happened to meet again.. (100 miles)

this time we exchanged phone numbers and met the third day for lunch at a snack bar...during the conversation, she told me that she had filed chapter 13 and it was being converted to a 7... she was also getting her home forclosed... i never mentioned my bk situation....

fast foward a month, and we now live together, along with her 12 year old daughter... incredible but true....will it last? who knows, but what are the chances that we met both being bk candidates... i told her that i was considering bk.... she only had a minimum wage job, so she quit it to move 100 miles to my place... now her only income is 500 per month child support....

ok, can i claim her as a deduction without getting married? what about her daughter? can this solve my DMI problem? im open to suggestions...

[jribe]

i would think after 6 months or so... Otherwise they may think it looks a little "fishy". But like others have said on the forum before- you have to include a roomates' income, etc- so why not include her for expenses?

I'm not sure about her daughter though... They could probably argue that since she's getting child support- that you can't claim her.. No sure though

Does being a HH of 2 help the problem though?

ok, its a long story, so ill cut out the mushy part... as you recall, im 13 bait due to excess DMI... i looked everywhere for deductions, to no avail.... someone suggested i get married, or something like that...

well guess what (no, i didnt get married)... i ran across a very attractive girl that really caught my eye, while i was riding my motorcycle.. we talked briefly and she walked away... the next day, i couldnt get the girl off my mind, so i went back to the lake where i saw her the day before and we just happened to meet again.. (100 miles)

this time we exchanged phone numbers and met the third day for lunch at a snack bar...during the conversation, she told me that she had filed chapter 13 and it was being converted to a 7... she was also getting her home forclosed... i never mentioned my bk situation....

fast foward a month, and we now live together, along with her 12 year old daughter... incredible but true....will it last? who knows, but what are the chances that we met both being bk candidates... i told her that i was considering bk.... she only had a minimum wage job, so she quit it to move 100 miles to my place... now her only income is 500 per month child support....

ok, can i claim her as a deduction without getting married? what about her daughter? can this solve my DMI problem? im open to suggestions...

[liz417]

HA! Sorry, but all this time I thought you were a female, I guess I just ASSumed because you were this BIG cat lover and moved back to your place because of animals...sorry Now I know...you're just a dude with a tender heart...
Anyway, that's good news, but I don't know if you would be able to claim the daughter, but if you are supporting them...hmmmm
I do know that your household expenses will go up, so that's great news because now you can claim the higher household expenses and lower your DMI! Yeah! See, it all worked out

[Kkole425]

Gotta know does she love the cats? Happy to can have a smile on your face and a few warm bodies that don't meow at you!! Good Luck!

[StartingOver08]

I thought that Floridian wasn't here as much as before. Now we know he has been otherwise occupied - with real life! Congratulations on meeting someone special - Good Luck!

[floridian]

would you believe that not only did i take in the mother and daughter, but they brought me six more cats.. doh!

will it last, i dont know, as im a realist... shes 15 years younger than me, but i dont look my age... time will tell.

i had a health scare last week.. my dermatologist said to prepare myself, as he felt i had a melanoma... when the biopsy came back, it was just a basal cell and no problem.. it made me realize, that you have enjoy yourself while you can..

now, if i can work out a 7 and put it behind me...

she has a ratmobile for a car and is going to sell it... i wonder if i can use a motorcyle as vehicle numbe two......

i guess marriage is kind of premature at this point, but sometime people do crazy things..

im sure i will have some tales to tell, before this is over..

[willowhare]

You may need to talk to an attorney for this one. Since she is your roommate, you would have to include her contribution to the household finances. If that's 0, than that's 0. You must include your bills, and if you pay for everything, well, then that's that.

I had that happen on my ch. 7. One of my roommates lost a job, so I took over a greater hunk of the utilities. Just listed what I was paying on schedule J, and included their household contribution on I. The trustee didn't bat an eyelash.

I don't know about the child, though.

[LuciluS]

Floridian:

I truly hope this relationship works for you. I know you've been by yourself for quite a long time.

Happy For You!

Luci

[blankslate]

Is that a total of 12 cats now? You could always start up a kitty baseball team and sell tickets!

Congratulations on finding love. Sounds like you're head over heels and I hope it stays that way At least you know she's not looking for a Sugar Daddy right?

Now start making little baseball jerseys.

[bnkrptinva]

My boyfriend and I moved in together in November of last year. He has 2 children. They go back & forth between us and their mother. When I filed in April, I filed as a 4 person household because I feed them, cloth them, give them lunch money, take care of them. Boyfriend is currently unemployed and in school. So my income is supporting 4 people right now. He gets no money from their mom for when they are with us. There is no legal custody agreement either as they were never married. She does claim them on her taxes because she pays for their medical insurance, but other than that.
Talk to your attorney, but based on my situation, I think you should be considered a 3 person household, and any money you spend to support the both of them are part of your monthly expenses. You will have to claim her 500 a month as household income unless someone here knows if child support is exempt from the means test? Hope this helps.

[floridian]

anyone want some cute kittens? all my cats have been fixed, but her siamese dropped 6 last month..that will bring me to the 18 cat mark...doh!..more vet bills..

she also said that my cat door has to go...we shall see..

i really need to file chap 7 and move on...im kinda scared of this marriage stuff, if thats what is required ....being she has a child, i could possibly get thrown out of my own house, if we had a tiff..

im probably over thinking this, but ive been on my own for 10 years, not counting a few flings that lasted less than a year....this may be a golden oportunity for a 7, but im skeerd...

[BornAgain]

i guess marriage is kind of premature at this point, but sometime people do crazy things..

i really need to file chap 7 and move on...im kinda scared of this marriage stuff, if thats what is required ....

this may be a golden oportunity for a 7, but im skeerd...

floridian, it's important if anyone here is to give you objective advice, that we understand exactly what you're thinking.

I have pointed out some of your statements in the above quotes. It's that 'repeat back' conversation tool. So I say to you, "Floridian, are you saying that you have reservations about getting married but see getting married now as an opportunity to enable a chapter 7?" (We know you're dead-set against a 13.)

That's what I draw from your statements quoted above -- but it's entirely possible that I'm misenterperting you or you just haven't posted your complete thoughts.

Thanks for the further insight.

[Kkole425]

Dude don't get married to fix something. That is just asking for trouble in the long run. Keep the cats and enjoy the girl without the papers. If you have questions then it is not the right time. If you are just looking for a body to have as a bankruptcy tool then look into mail order bride. Not someone with a child. Not fair to that child. You will make it just take you time and see how the chips fall.

[floridian]

i am really amazed that im in this situation...i have stated in the past, that i have considered a marriage of convienience for several years now..

once you hit middle age, relationships can become incredibly complicated.. it becomes a game of baggage acceptance...i have dated quite a few women since my divorce, ten years ago... usually, they only cared about their kids and grand-kids, leading to our demise...

i need to email my lawyer, but from what im reading, i cant claim her as an expense unless im married..

if i were to get married and it didnt work out, what would i be out? i own very little... the only thing that could hurt me, is if i had to pay allimony..

[jribe]

i really don't want to offend you by saying this; but how would she feel if she read what you wrote?

Marriage is a big deal. You should only be considering marriage if you really love this woman and want to be together- forever.

Not just because you want to file BK Ch 7.

I would say something different if you told us that she is aware of the situation, yada yada..

But from your earlier post, you said that you haven't even told her about thinking of filing for BK?

Isn't that a little crazy? I mean, you won't tell her you want to file BK, but you want to get married?

How would she feel?

I really don't mean any offense- i just think you should take a look at this from her perspective..