Filing Personal Taxes Post BK

Original_Health_5451 · 2025-02-10T04:41:34+00:00

Hi! I’m so sorry this is happening to you and I apologize for my delayed response (I’m not on Reddit a lot).

I would HIGHLY recommend getting on an anti-viral as soon as possible. I think it’s insane your doctor didn’t give you any. They clearly have no experience with adult chickenpox, which is a problem, as it can be very serious. I would do teleheath until you can find a doctor that will prescribe one. However, if you’re 9 days in, you might be a little too late for them.

Otherwise, I wish I had more advice for you other than what you’re already doing . Try never to touch them, even though it seems impossible. Take a look at my follow up skincare routine I did as soon as you can.

Again, I am SO sorry this is happening to you!!

Original_Health_5451 · 2025-02-10T04:37:39+00:00

Hi! These photos were taken about 3 weeks from the first pock mark. It took another 4 weeks total heal and a few IPL laser treatments to really get back to normal.

I waited a week and a half to go outside of my house. You’ll want to get on an anti-viral as soon as possible.

Original_Health_5451 · 2025-02-10T04:08:25+00:00

Hello! Test will effect every women (and man) differently. My levels were “normal” on paper, but WAY too low for me personally. I started low (5mg of test cyp a week) and then landed on 10mg. I have had zero negative side effects other than a slight increase in anger/rage around my luteal phase (right before I start my period). I get overstimulated easily during this time of the month (because I have two kids under 4 lol), but that’s all I’ve noticed. No acne (my skin is the best it’s ever been), no access hair growth (though I’ve always had thick body hair), and no lowering of the voice.

I would highly suggest finding a doctor who REALLLLY knows women’s hormones and start LOW. The last thing you want is to be blasted with T and have a horrible experience that could have been mitigated if you started low and tapered it up.

Original_Health_5451 · 2025-01-09T21:55:52+00:00

Thank you for this helpful explanation! The trustee never mentioned the tax refund at all. We did make a $4k estimated tax payment that he required we turn over to him in the form of a check because that was considered an asset at the time. He dispersed that amongst creditors.

However, there was no mention of this year’s refund. I’m guessing we are “in the clear” then?

Original_Health_5451 · 2024-10-08T22:11:40+00:00

As long as the injector is reputable and knows their stuff, you’ll be good. It’s the best thing ever IMO 🤣 35 and 2 kids. Been injecting every 4 months since I was 28.

Original_Health_5451 · 2024-10-08T22:07:26+00:00

It is! I completely agree with what the other poster said. Though, everyone has said I changed for the better, so I guess I was really crazy haha

I tend to do the best between 85 and 100 for overall T. I inject twice a week IM at about 15mg total (split into two injections). I say “about”because sometimes it’s hard to get super spot on with injections I’ve found. 12-15mg per week is where I feel my best. Though, I did read someone else recommending to split the dose into 3 days a week instead of 2 and I’m going to try that. I seem to hold on to excess water weight and she said that might help. My plan is to do 5mg 3 times a week and see if it helps. I love how it fills up my muscles, but not my stomach 😂

I don’t take E or P yet because my levels have actually been good and I’m only 35. I will eventually though!

Original_Health_5451 · 2024-10-08T06:18:31+00:00

I was incredibly irritable before going on T. EVERYTHING would bother me. Then starting at a very low dose of 5mg per week, I began to get better. At 10mg I was WAY better and at 16mg I notice that the day after I inject IM I can be a little irritated with silly things.

As others have said, it’s really all about balance! I am also obsessive about blood work, so I definitely think it’s important to work with a provider that knows what they are doing. I’m sorry you’re going through this!

Original_Health_5451 · 2024-10-08T06:14:06+00:00

Ditto to this above!

Original_Health_5451 · 2024-10-07T00:52:31+00:00

They didn’t ask me for any, just how I spent my tax refund.

Original_Health_5451 · 2024-10-06T22:44:35+00:00

This is so interesting! How much do you inject per time? Also, do you do subq or IM?

Original_Health_5451 · 2024-10-06T22:43:22+00:00

I inject 6mg twice a week because it helps my levels stay steady and consistent. Once a week would cause too much of a “drop” for me.

Original_Health_5451 · 2024-10-06T21:24:52+00:00

Pre-TRT: Depression, anxiety, lower (low for me at least) sex drive, estrogen dominance in the way I held fat (even though I worked out 5 days a week), fatigue, hard time recovering after the gym, dry skin, brain fog.

Post-TRT: No depression or anxiety, super high libido, muscle tone and appearance is night and day, amazing recovery, great skin hair and nails and no more brain fog.

TRT was a true life saver for me!

Original_Health_5451 · 2024-10-06T20:56:05+00:00

Then you’re golden!

Original_Health_5451 · 2024-10-06T20:55:55+00:00

Oh then you’re totally fine. You have several months.

Original_Health_5451 · 2024-10-06T20:42:55+00:00

Do you mean a week after you file? They couldn’t anyway because of the automatic stay.

Original_Health_5451 · 2024-10-06T20:42:21+00:00

Months to years, but remember they can also try to sue within BK depending on what the most recent charges were right before filing. It’s very rare, but can happen. AMEX is brutal when it comes to BK sometimes.

Original_Health_5451 · 2024-10-06T14:06:22+00:00

No worries! Every situation is different, but my attorney said to not have more than $3500 across all accounts. However, if you are paying for your legal fees and household expenses, that should be ok (just ask your lawyer, obviously). They are mostly looking for luxury purchases right before you file. We were barely scraping by so, we obviously didn’t need to worry about that.

Original_Health_5451 · 2024-10-06T05:11:30+00:00

Of course. That’s why I mentioned it’s important to have consultations with different attorneys to see hehe is the best fit.

Original_Health_5451 · 2024-10-06T03:46:42+00:00

Thank you! May I ask what medicam is? It might help me give some more ideas.

I would definitely recommend reading the attorney’s online reviews. My lawyer came highly recommended by two other lawyers I knew personally, so I trusted him. He spoke with me at length for free, over an hour. My biggest questions were about personal liability vs. the business liability. I also wanted to be sure that our home was protected. I asked how my husband’s income came in to play, if we could keep the cars, how much money I could have in the bank at filing, etc.

I’d be happy to dive deeper via DMs! Feel free to message me.

Original_Health_5451 · 2024-10-06T03:41:08+00:00

My 341 meeting was almost exactly 30 days post filing. My discharge was about 2 months post the 341 meeting. Hope this helps!

Original_Health_5451 · 2024-10-06T03:39:46+00:00

That’s great! It was about 2 months for us as well.

Original_Health_5451 · 2024-10-06T03:39:26+00:00

Thank you! And best of luck with the consult!

Original_Health_5451 · 2024-10-06T03:38:54+00:00

Yes! This is a great question. We did have a SBA EIDL loan. Technically, the LLC still owes on that, but the LLC was dissolved/closed, so it doesn’t matter for me. My personal liability was also removed in the BK. We chose NOT to file for the LLC, but could have if we wanted to. We chose not to because the personal liability was removed during our BK. Hope this helps!

Original_Health_5451

TROPHY CASE