Hi, all. Great to have this wonderful forum!
I just felt the need to post for the first time since I will be filing chapter 7 in 2 days, pro se, in Oakland, CA. I have a lot of work to do filling out forms tomorrow! At least I've practically memorized the Chapter 7 book and all of the forms, so I feel knowledgable so far.
I'm filing jointly with my spouse, and I wouldn't need to take the means test due to our low income except that we had a large cash gift and an IRA withdrawal to get us through the last months, so adding those in, I'd better go ahead with the means test, if I need to divide those amounts by 6. Better safe than sorry, I guess.
I'm actually not stressed at all about this fresh start, even though it's our first bk and we've always had great credit until the last 2 years.
Happy to have you all for support!
March
I just felt the need to post for the first time since I will be filing chapter 7 in 2 days, pro se, in Oakland, CA. I have a lot of work to do filling out forms tomorrow! At least I've practically memorized the Chapter 7 book and all of the forms, so I feel knowledgable so far.
I'm filing jointly with my spouse, and I wouldn't need to take the means test due to our low income except that we had a large cash gift and an IRA withdrawal to get us through the last months, so adding those in, I'd better go ahead with the means test, if I need to divide those amounts by 6. Better safe than sorry, I guess.
I'm actually not stressed at all about this fresh start, even though it's our first bk and we've always had great credit until the last 2 years.
Happy to have you all for support!
March
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