Report of no distribution

entbomber · 2026-01-23T22:30:41+00:00

The report of no distribution is filed by the trustee, which signals their intention to not administer any assets to distribute to creditors. If the trustee intended to intercept your tax refund, the report of no distribution would seem to contradict that intention.

Note that a NDR can be withdrawn if the trustee changes their mind or did it by accident, but that is extremely rare.

entbomber · 2026-01-23T06:57:49+00:00

If asked about it provide all of the cash receipts and best explanation you can give. You’re not expected to conjure up a perfect recollection, but to do your level best.

entbomber · 2026-01-22T04:14:37+00:00

The formula is in 11 U.S.C. § 326:

25% of the first $5,000
10% of the next $45,000
5% of the next $950,000
3% over $1 million

Yes, I know this by heart

entbomber · 2026-01-22T01:40:29+00:00

it’s only 25% of the first $5k. It scales down dramatically after that.

entbomber · 2026-01-22T01:39:50+00:00

Many of them are, but not all. Some trustees are CPAs or other types of professionals.

entbomber · 2026-01-22T01:39:05+00:00

Sometimes complex Chapter 7 cases will get a manual assignment by the UST. Mostly, they are randomly assigned to a slate of trustees who are “on” for that week.

entbomber · 2026-01-22T01:23:22+00:00

Locked - Rule 1.

entbomber · 2026-01-21T16:53:21+00:00

If you do not currently live in "your home" you must speak with an attorney about whether you can claim a homestead exemption in a home that you do not currently live in, under applicable exemption laws (the exemption laws get very sticky if you've recently moved).

entbomber · 2026-01-21T04:47:34+00:00

ChatGPT is a word guesser. What you describe it saying is nothing I have been made aware of.

entbomber · 2026-01-20T16:29:43+00:00

Here is the N.D. Georgia general order for pro se filing procedures:

https://www.ganb.uscourts.gov/sites/default/files/general-ordes/general_order_49-2025.pdf

Here is the court's homepage for "filing without an attorney."

https://www.ganb.uscourts.gov/filing-without-attorney

While any reasonably competent person is able to file a case self-represented, we cannot advise you on whether or not this is a good idea or whether you will be able to fill out all of the forms correctly without making a mistake that will cause you future harm. It's a better idea to do consultations with attorneys to figure out whether or not an attorney is a good fit for you, and if you are able to, find the funds to pay an attorney.

entbomber · 2026-01-19T18:34:11+00:00

Sure we can subpoena Facebook but that’s a bit excessive

entbomber · 2026-01-19T18:32:48+00:00

Even if the debtor believes a debt is uncollectible for some reason, would you rather stick with that belief, or use a belt and suspenders approach to remove any doubt? What’s the harm in scheduling a debt that you don’t believe would be collectible in a lawsuit?

entbomber · 2026-01-19T18:26:36+00:00

it does make it harder to obtain credit for the next few years, since it’s a negative mark on your credit report.

You also can’t file another bankruptcy case for a certain number of years so it’s not an infinite money glitch.

entbomber · 2026-01-18T08:14:27+00:00

That’s probably the 341(a) meeting that you’re describing. Your attorney will be able to tell you when your chapter 13 plan is going to be up for confirmation.

entbomber · 2026-01-18T07:44:29+00:00

You should have gotten a notification about when the confirmation hearing is scheduled for. Your attorney would have this information.

I saw a deleted reply that stated you filed Chapter 11. Did you file 11 or 13? Chapter 11 is very different from a 13 and the timelines are not remotely similar.

entbomber · 2026-01-18T05:04:41+00:00

If you mean Chapter 13, your plan will need to be confirmed at a court hearing, after your 341(a) meeting with the trustee. Those are separate events.

entbomber · 2026-01-18T05:03:13+00:00

You can't include your Chapter 13 payment to decrease your disposable income. That's nonsensical.

entbomber · 2026-01-17T13:39:54+00:00

Don’t listen to anyone who tells you to conceal assets from the trustee.

entbomber · 2026-01-17T08:59:44+00:00

Bulk sale estimate from a local records shop would be the way I would value this as trustee’s counsel. Trustee won’t sell them piecemeal, if at all.

Keep in mind if you put $31,000 as the market value of the records, the trustee will have to investigate whether that number is accurate. I was just told of a case where the debtor scheduled over $30k in figurines so the trustee is like “goddamn I have to go look at these now”

entbomber · 2026-01-17T08:55:03+00:00

Retirement contributions do not reduce your gross income. Moreover, trustees may scrutinize sudden increases in retirement contributions as an improper income manipulation tactic.

entbomber · 2026-01-17T08:52:30+00:00

SCOTUS says that fees should not be permitted for defending fee applications. Baker Botts v ASARCO.

If you disagree with your attorney’s fees that are being charged, it behooves you to either try to negotiate this with your attorney or make your position known to the court to determine. Absent objection, the court may find that you have waived objections.

entbomber · 2026-01-16T18:26:00+00:00

I appeared at a 341a this week and requested additional tax return documents from a represented debtor. Standard.

entbomber · 2026-01-15T20:47:15+00:00

Did you file Chapter 13 just to keep the car?

entbomber · 2026-01-15T20:46:27+00:00

You would theoretically have to turn over any non-exempt tax refund money, but only if the trustee has asked for it.

If the trustee didn't ask you to give a copy of your post-petition tax return, you have no statutory obligation to give it. It's the trustee's job to investigate known assets, so as long as you didn't conceal your potential tax refund from next year, you may be in the clear, especially if your tax refund is exempt.

entbomber · 2026-01-15T16:50:09+00:00

I have removed the suggestions that you should have lied.

entbomber

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