Posts Tagged ‘bank statements’

How can I negotiate a settlement with a debt collection company?

I have a verbal agreement (which I know is worth the paper it’s written on) for half of the total balance. However, they want a lot of personal info relating to our hardship: bank statements, paycheck stubs, self-employment income, and list of expenses. I’m uncomfortable providing this information. They do have a judgment against me and I’m afraid to put much money into our personal account. What information should I definitely NOT give them?

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How do you go about filing bankruptcy without a lawyer?

In Virginia, what is good advice filing Ch. 7 bankruptcy? We will need to do a quick file to try to beat a foreclosure coming up soon. What are the steps? We consulted with a lawyer but read his disclosures and found that we don’t have to be represented but wondering if that is a good idea or not. We have counted up all assets and written down every liability we can think of, and gathered 3 months worth of bank statements for both myself and my husband (both of us need to file). We have titles to vehicles and gotten Kelly (NADA) blue book values on them. I guess we need to get credit reports?? not sure. Also have gathered 2008 and 2009 IRS tax returns. We have already taken the first debt counseling session and received certification for each of us. We have the deed to our home. Are there any more docs to be gathered and what would be the papers to file with which court? Please be as detailed in your answer that you can. This is greatly appreciated.
I have gone onto the official federal website to get forms, fee info, and general instructions about the steps to take to file a petition with the court. so far, this has been the most helpful. But I did consult with an attorney one time to decide which chapter would be recommended and to answer some specific questions for our particular situation.
http://www.uscourts.gov/FederalCourts/Bankruptcy.aspx

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if i file bankruptcy after served summons for unsecured credit can a judge still request my bank account stat?

I am in a pickle, got served summons for unsecured credit debt, 6700.00, i am seeing an attorney wed to file chapter 7, no other choice! After i file, can a judge then request my bank statements? Reason asking, is i am receiving ssi (for real disability) and my spouse did not have his own checking account and i have been depositing his unemployment checks in mine for like 3 YEARS!

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341 Meeting for Bankruptcy, Glad its over but my trustee was an ass. Gave instructions but I need help (ProSe)

I had my 341 meeting today and Im so glad that this is over with. My trustee was a local bankruptcy attorney that advertises WAY too much and my neighboorhood, and he kida looks like skeletor.

Anyways he was particullary found of me since I filed bankruptcy ProSe(By Myself) I had a few tiny problems and he wouldnt be specific on how to fix these problems and am hoping someone can help me and tell me what I have to do

#1 I had lost my wallet a few months ago it had my social security card and everything in it. I went to the SSA builing and filed a replacement card application. I had told the lady at the counter I have a meeting coming up where I need to show proof of my social. She told me " This reciept is all you need to show" I did and the trustee rejected it. I have to get him something with my social

#2 I was told before the 341 meeting that I needed to drop off paperwork to his office. I needed to drop off my bank statements, Paystubs, Income Tax Returns. (SEE MORE BELOW)
And a copy of my Petition. I had a copy of my petition saved on a CD and I had thought that the State Bankruptcy office would have given him a copy. But just to be safe I had printed out a copy of the original petition and handed to his office. He cocked an attitude on me again saying," How am I suppose to verify your signature" i had told all my signatures was on the original and this was a duplicate. I dont remeber him saying anything else needed on this end. But just to be safe

#3 On My list of assets he said I have to amend my return to say the details of my car which Im claiming an exemption on. I wrote "debtors Personal Vehicle" but he wqants I think the make year model etc. And also I claimed my checking account as an assett which only had a hundred and he says I need to put an exemption on that. He wants me to amend schedule C i think it was

He ended it by saying quote"DO NOT CALL MY OFFICE FOR ADVICE ON HOW TO FIX THIS" (SEE MORE)
I remember him saying I had till the 28th two weeks from now. Do I just have to get all my paperwork together and can I mail it to his office or something else? I’m really in the dark and wish I had hired an attorney. PLEASE no smart ass remarks about ohhh you should have gotten an attorney. If I could have afforded the fees I would have. Thanks

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How far back do they check your bank records when you file bankruptcy?

I have quite alot of debt and am looking into filing bankruptcy. How far back are they going to check my bank statements? Also my father passed away and left a life insurance policy to my mother that my name is on as a trustee…will this matter?

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How many months of bank statements do I need to file bankruptcy?

How many months of bank statements do they normally ask for when filing bankruptcy?

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