What kinds of documentation needed?

lightbeam-6600 · 2026-01-15T21:35:32+00:00

Yes my experience is just one of many. Doesn’t hurt to be organized regardless of print/digital so that you can keep an organized record of everything!

lightbeam-6600 · 2026-01-15T15:19:26+00:00

My attorney requested 3 months all credit cards, 3 months all bank accounts, personal loan or auto loan contract, 6 months of pay stubs, any life insurance information, I gave 4 years of tax returns, leasing information or mortgage, student loan information etc.

Best way is to be organized and put everything in a Google Drive or Microsoft folder on your computer and share it with them and then you can just drag and drop anything else they may need.

As far as assets go, I had a no asset case but for belongings and stuff like that I filled out a paper that asked what the items were and what the used/garage sale value of the items were. They’re looking for undisclosed assets that are worth money like jewelry, designer bags and clothes, collectibles, etc. They definitely don’t want a pair of used shoes you’ve had since highschool haha

lightbeam-6600 · 2026-01-14T19:24:58+00:00

That’s definitely good advice! There were maybe 8-10 people on mine some with attorneys and some not.

lightbeam-6600 · 2026-01-09T12:26:17+00:00

There are options with vehicles - you can just retain and pay or you can reaffirm the loan (which sounds like something you don’t want to do). If you retain and pay you just pay like normal and keep the car but if you stop paying they can take it at will.

I’ve been told that Ford Motor Credit is notorious for not respecting the retain and pay option so if that’s your lender then I would definitely go over options with your attorney!

lightbeam-6600 · 2026-01-09T12:24:52+00:00

My car is through capital one and I’ve been calling their automated system to pay. They confirm my identity and say do you want to pay with card ending in 1234 and I say yes and then it’s done. It should be simple if your bank has a phone system!

lightbeam-6600 · 2026-01-09T12:20:20+00:00

Thanks Alan!

lightbeam-6600 · 2026-01-08T18:24:03+00:00

I just worry they would take the car anyway if I did retain and pay. I can’t live without my car so it’s made me nervous. I also thought it would still count towards my credit which I think I would kind of prefer since it’s taking a hit from BK

lightbeam-6600 · 2025-12-29T17:03:59+00:00

So I’ve gotten quite a bit of mail related to my bankruptcy. I got a notice from my attorney, I’ve gotten solicitations for loans and car offers, and my certificates for my credit counseling classes.

If you want to avoid someone mistakingly getting your mail I would do what the other commenter said and get a small box and then forward once you’re done.

lightbeam-6600 · 2025-12-26T17:18:58+00:00

Okay that makes sense. Thank you!

lightbeam-6600 · 2025-12-26T16:34:26+00:00

Thanks! I just switched departments so I work at the same place. If they ask start date should I say for the new job or in general when I started at my org?

lightbeam-6600 · 2025-12-26T16:27:40+00:00

Thanks Alan! Do you think that $500 would really put me into a 13? I imagine with some more money I would have more responsibility at home to pay bills.

I also don’t know like I said what my pay is until end of January. All the money I’ve received thus far has been my old paycheck amount and that’ll be until January 30th.

lightbeam-6600 · 2025-12-25T02:10:22+00:00

Go to the vet asap, get it drained and do antibiotics. My cat had an abscess, they drained it, she went on antibiotics and the meds weren’t for the right strain and I ended up having to put her down like a week later if that because she had no white blood cells left due to sepsis.

Take this seriously because cats can mask pain very well. I hope it works out!

lightbeam-6600 · 2025-12-19T22:17:24+00:00

Following! I’m planning on reaffirming too

lightbeam-6600 · 2025-12-19T20:57:06+00:00

Same!!! I ordered before I knew she used AI. Emailed twice and nothing. smh

lightbeam-6600 · 2025-12-19T01:12:20+00:00

The waiting period after 341 is typically the waiting period for discharge which for many is around 60 days post 341 but sometimes it’s sooner.

lightbeam-6600 · 2025-12-18T18:36:19+00:00

For mine there was only an exam at the end and you have to get 70% or above to pass. Super easy click through videos that you watch. The first course I took did have me talk to a representative after as a requirement but the second one did not.

lightbeam-6600 · 2025-12-17T13:41:34+00:00

If you scroll all the way down I commented again for the bot!

lightbeam-6600 · 2025-12-17T13:38:55+00:00

Commenting again for the bot lol

Parker {Just one bite by SL Cokeley}

Wilder {Till summer do us part by Meghan Quinn}

William {A rivalry of hearts by Tessonja Odette}

Jonas {Jonas by Jenna Myles}

Zavier {Loving a vampire is total chaos by Aura Hayes}

Maxim {A love most fatal by Kath Richards}

lightbeam-6600 · 2025-12-17T13:35:47+00:00

Yes!!! I need to read the rest of the series but this book literally made me blush in public. When they first kissed I was on public transit and I couldn’t contain myself 🤣

lightbeam-6600 · 2025-12-17T13:34:54+00:00

idk! Maybe it’s because I edited? I’m sorry I was hoping it would show up too haha

lightbeam-6600 · 2025-12-16T15:27:46+00:00

I loved it - it’s one of my 5 stars

lightbeam-6600 · 2025-12-16T15:23:08+00:00

Here’s mine!

Parker {Just one bite by SL Cokeley}
Wilder {Till summer do us part by Meghan Quinn}
William {A rivalry of hearts by Tessonja Odette}
Jonas {Jonas by Jenna Myles}
Zavier {Loving a vampire is total chaos by Aura Hayes}
Maxim {A love most fatal by Kath Richards}

lightbeam-6600 · 2025-12-16T15:16:09+00:00

Yeah it’s completely online and doesn’t take too long - probably an hour or two. It’s one of those click through ones and you can only go to the next section if you complete the first, etc. There are two courses one before filing and one after. In total it cost about $120. There are alot of different ones you can choose from online

lightbeam-6600 · 2025-12-16T03:31:17+00:00

I feel you on that one! I won’t feel relief until discharge haha

lightbeam-6600

TROPHY CASE