We completed the post filing (sometimes called pre discharge) debtor education course tonight. And just in the nick of time. You are required to have this completed 45 days after your 341 meetings. Depending on how you count today is 44 or 45. PACER shows 45 days. I hope this isn’t a problem. My lawyer will submit it in the AM.
Posts Tagged ‘Bankruptcy’
Completed Pre discharge education course
Thursday, January 8th, 2009No credit score changes
Sunday, December 21st, 2008Odd… but it must be most of the bankruptcy paperwork has slowed down, and most creditors have reported changes to the credit reporting agencies. Neither one of us has had any activity on our credit reports or scores for a few weeks now.
Lots of documents for the trustee
Thursday, October 30th, 2008Boy… She wants a lot of documentation. 14 months of bank statements, ALL checks written from all business and personal accounts, documentation where money was spent on a business loan from last year, two years tax returns, and more.
This is going to be a PILE of documents. There are over 400 checks alone, plus most of my business checking account statements are 15-20 pages each! (there are multiple business accounts, too)
I suppose this is her job. She is looking for things like illegal transfer of assets, preferential treatment, etc. Which is not a big deal for us… we didn’t do anything like this. But I suppose there are poeple who try to cheat the system, and trustee’s like her will find them! She needs all this by Novemver 14th. So at least I have a little time to get copies of the checks from the bank.
Updated Bankruptcy Petition Schedule F
Saturday, October 25th, 2008Today my lawyer had to send an updated “Schedule F”. This is the list of unsecured creditors like credit card companies, etc. On review of our original petition after filing we noticed our house was listed twice, once on the schedule F form as unsecured and on the correct secured schedule.
So, no big deal. It gets resubmitted electronically, and doesn’t really effect anything.
You can amend toy petetion at any time during the process. There are a number of forms or “schedules” that are used. For example if you forgot a credit card, you could amend the Schedule F I referenced above.
A few more accounts showing bankruptcy
Thursday, October 23rd, 2008A few more accounts are showing included in bankruptcy. My credit score has now dropped to 523. My wifes is still up at 580 at this point.