After putting it off (I'm really good at that) went through and found a place that does it for 12.00, Moneysharp.org. The stuff was real straight forward common sense stuff. A lot of perfect world stuff but that is to be expected!
They did show me a payoff scenario I had never seen before...
OldandPoor
Junior Member
Last Activity: Today, 10:52 AM
Joined: 03-05-2025
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These folks can help! Good LuckLeave a comment:
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Thanks, I think we are past the adjusting stage here! I am sure they decided what I owe years ago. They have an exact amount for 2018 I can use hopefully they get an amount back up for 2019. If not my last letters from those years are dated last November....Leave a comment:
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Thank you. It sounded like unpaid SS (fica) tax is not dischargable the way I read it. Since SE is basically SS that why I wondered.
When you say this "not assessed after 7/21/2024" that would apply to new tax right not interest or penalties?Leave a comment:
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I guess I am a bit more simple. I would like it to say if you owe the IRS and some of that money is SE tax and you meet the timing and filing guidelines that debt goes away with a no asset Chapter 7.
11 USC 507(a)(8) The following expenses and claims have priority in the following order
...Leave a comment:
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Thanks! That was/is my concern. Can you point me somewhere it says that in plain english please. The only balance I have is from the two recent letters for tax years 18 and 19. It does not appear they filed for me for any other year. I would hope if they did if would show up on the site somewhere....Leave a comment:
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I was wondering about that since there appears to be a way to get everything else at no charge if you are truely poor. I would not have been so skeptical had I known that it was required of them!
I sent off an email to a couple of them and will report back if they reply.Leave a comment:
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Thanks! I messed up on my years. I filed for 18, and 19 in 2020. I wanted the Covid check! Its funny I just went back to IRS page and they don't show I owe for 2019 now. I know they did want money and have a copy of the last letter which is also on the site.
So I have not filed since tax...Leave a comment:
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IRS Debt
I am getting ready to file Chapter 7. You can read my filing thread here https://www.bkforum.com/forum/before...ct-of-michigan
I have some IRS debt from 2019 and 2020. I am thinking... -
Started a new thread about credit couseling asking for any recomendations. https://www.bkforum.com/forum/before...dit-counseling
I do want to give a shout out to justbroke. He suggested some of the companies might waive the fee and I laughed....Leave a comment:
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Online credit counseling
So I decided to just pay for the credit counseling rather than try to get the fee waived. When I brought that up in my filing thread. justbroke recommended that I could ask the counseling company if they would waive the fee. I scoffed thinking that was funny that any for profit business would waive... -
My bad there, not knowing the proper definiton of the word. I thought it was some BS legal term and never looked it up, though it kind of is bcause they could have said urgent or immediate! I guess it could be urgent since without funds for the class you are unable to file and for some (not really me)...Leave a comment:
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It appears I can't edit my 1st post any longer. This is the updated list for my initial filing: Added
Voluntary Petition (Form 101)
Application to Have the Chapter 7 Filing Fee Waived (Form 103B)
Certificate of Credit Counseling
Debtor's Electronic Noticing Request Form...Leave a comment:
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Thanks, I was not finished!
I spoke with a person in the Pro Se clerks office today. She called me back just before noon (less than 24 hours since my message). She was very helpful and seemed interested in some of the discrepancies (for lack of a better term) on the website. She was able...Leave a comment:
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I spoke with a person in the Pro Se clerks office today. She called meLeave a comment:
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I tried the Pro Se clerk's office today, when I hit 1 to leave a message it hung up on me (shocking I know). Their message did however provide another phone number on which I was able to leave a message. It said they would try to get back to me in 24 hours (not holding my breath on that). I will give...Leave a comment:
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Thanks for the reply!
I am not in a rush I just wanted more time to work on the rest of it but get the ball rolling so the creditors will be notified. I think based on emails and notices left on my door a few might be thinking about court.
I would have 14 days to file the rest...Leave a comment:
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My "pro se" Chapter 7-Any and All Help Appreciated-Eastern District of Michigan
I would like to give thanks for any and all help I my might receive here.
I am going to file my Chapter 7 in the next week or so. I have been reading and researching but as I go through this I am going to have questions. I figure a thread to document my progress and provide answers to what... -
Thanks
Yes, I read it again and it did say they "may" waive the fee! I guess worst cause is they can deny the waiver and let me make payments. I am hoping to get this filed within the next week or so.
I do have more questions but will start a new thread in the "pro...Leave a comment:
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Thanks for the response!
As I mentioned, I have nothing but the vehicles and I mean nothing. I am just starting my research and did start going through the threads in the "pro se" section.
Can the Judge or whoever force me to pay the filing fee if I have no income...Leave a comment:
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