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You don't necessarily need statements. Pulling all three (3) credit reports is usually the best way to find your creditors if you don't have the recent statements. Whether your refund would be "non-exempt" would be a question on the amount of the anticipated refund, the time that you file...
Dispute the "public record" in the public records section of your report. That's all. Do not touch the accounts. For the dispute you just put incorrect or not mine or something similar....
The dates I used were examples only based on a filing date of 3/17/2025. It applies to the base tax, not interest or penalties on unpaid tax. However, the date does apply to a tax "assessed" which could mean that the IRS adjusted what you owed outside interest and penalties on a prior bal...
This is why we have bankruptcy attorneys. Self employment tax is a personal tax. For purposes of this discussion a tax is a tax when it is a tax subject to be paid by an individual.
523((a)(1) says that anything that is priority is nondischargeable. (We call this "excepted" from...
You simply look at your account transcripts. That should tell you what you owe under "account balance."
You also asked for something in plain English about SE tax. The bottom line is that you "You must pay SE tax if you had net earnings of $400 or more as a self-employed...
I can't tell you what the IRS will do. They are pretty good at bankruptcy when it comes to what is dischargeable. You can always ask them for your balance and for what years it applies. If you didn't file taxes, then the IRS likely filed a substitute tax return and that, under the rule, may be interpreted...
They are required to offer waivers because, to be an authorized provider, you must provider waivers to debtors who do not meet the 150% federal poverty guidelines.
Trust me, they make enough money as most people can afford the $50 (and typically must less) for both courses. Most debtors...
The IRS is a very cool creditor when it comes to discharging tax debt that doesn't meet the definition for "priority" unsecured debt. The rule is that the tax must (a) have been last due 3 years from filing, (b) have had a return filed within the last 2 years, and (c) if, an assessed tax,...
They cannot if you did not reaffirm the loan. Did you file with an attorney? If so, then double check with them that you didn't sign a reaffirmation agreement. If you filed Pro Se, then you should know if you completed and signed a reaffirmation. If you didn't reaffirm the debt, then your personal liability...
The Trustee may ask if anyone owes you money under a domestic support order (DSO). If it's child support, that money belongs to the children, and is exempt anyhow since it is a court-ordered child support payment.
Having wrote that, I think you explained it just fine here. Ask your attorney...
The exemption allows the debtor to apply the exemption to a single vehicle.
If you transfer, it will make it worse or even easier for the trustee. Your attorney will likely argue that while you have bare legal title to both vehicles, you have equitable title in only one of the vehicles....
Absolutely don't transfer the vehicle before filing. That will cause all sorts of issues. Your attorney seems to think that they can deal with the issue of the vehicle being in the same name. I'm assuming that you own both cars outright with no loans and you have significant equity. If you have no equity,...
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