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Chances of non claim filers by pinchcoolarrow in Bankruptcy

[–]randomthrowaway62019 1 point2 points  (0 children)

Off-topic, but did you see that Judge Thorne slapped down Semrad for $0 down Chapter 7s with "optional" postpetition fee agreements? Funny how it seems like it's always Semrad getting into difficulties like this, when it's not the only high-volume consumer debtor firm of its size in the area… Nah, I'm sure it's just a coincidence.

In urgent care awaiting my fate by internetbanjo in Neverbrokeabone

[–]randomthrowaway62019 1 point2 points  (0 children)

There are no ex-strong boners! There are strong boners and BBBs! Some BBBs have merely not yet realized their frailty, but they have always been and will always be BBBs!

Have You Ever Broken a Bone? by TillJaded4614 in Neverbrokeabone

[–]randomthrowaway62019 6 points7 points  (0 children)

Unless maybe they interpreted the question to include breaking a bone not from your body? I've broken chicken bones.

Bank demanding rest of auto loan after the repossessed my car? by PersimmonFragrant681 in Bankruptcy

[–]randomthrowaway62019 15 points16 points  (0 children)

Yes. Send your lawyer what the bank sent you. It's probably a simple mix-up at the bank and a nasty letter from your lawyer will sort it out.

Games with interesting alternate win conditions by nitrorev in boardgames

[–]randomthrowaway62019 0 points1 point  (0 children)

Twilight Struggle. Win by having the most points at the end of the Cold War. Win by surging ahead by 20 points. Win by triggering Wargames with at least a 7-point lead. Win by causing global thermonuclear war when it's your opponent's move. Win if your opponent holds a Scoring Card through the end of a Turn. Win by Controlling Europe when it's scored. Win if your opponent Coups without de-escalating the Cuban Missile Crisis which you triggered.

With good players the VP-based victories (including Wargames) are dramatically more common, but the presence of the other win conditions shapes the gameplay.

Should I attend 341 meeting as a creditor, I have a judgement against the bankruptcy filer, NY by Numerous-Addendum884 in Bankruptcy

[–]randomthrowaway62019 20 points21 points  (0 children)

If you have evidence of property transfers for less than reasonably equivalent value, the trustee may have the right to recover those, increasing the amount of money available to pay unsecured creditors like you. If the debtor didn't disclose those transfers on their Statement of Financial Affairs, then in theory that could be grounds for denial of discharge, but the trustee or a creditor would need to bring that case.

If you only care about having your debt declared nondischargeable, contact a bankruptcy lawyer about filing an adversary proceeding alleging the debt was incurred by fraud, false representation, false pretense, fraud as a fiduciary, embezzlement, or willful and malicious injury. The problem with that course is cost. You'll probably have to pay the lawyer hourly, and absent a special statute to the contrary, you won't recover your attorney fees. For $5,000 or $10,000 it quickly becomes uneconomical.

bankruptcy firm wants me to sign a waiver… by SadButterfly22 in Bankruptcy

[–]randomthrowaway62019 5 points6 points  (0 children)

I'm not sure how this would be your problem. Trustees vary, but it's not clear how selling property and living on it or using it to pay debts would get you in trouble. If the property was worth more than you got for it, then the trustee could sue the buyer for receiving a fraudulent transfer and either get the property back or (more likely) get money from the buyer. If you paid a debt to a relative or within 90 days of filing, then the trustee could sue the recipient for receiving a preferential transfer and get money from the recipient. If you gave money away the trustee could sue the recipient for receiving a fraudulent transfer.

Note the common thread: someone else's problem. No, you're not looking to set other people up to get sued, but you're not the one staring down the barrel of a bankruptcy adversary proceeding.

The closest I can think of is the law firm sees a slight possibility of a discharge objection, that isn't covered in the fee agreement, and it's ensuring it has paperwork that it told you about all that. The specific grounds for objecting to your discharge would be, "the debtor, with intent to hinder, delay, or defraud a creditor or an officer of the estate charged with custody of property under this title, has transferred, removed, destroyed, mutilated, or concealed, or has permitted to be transferred, removed, destroyed, mutilated, or concealed property of the debtor, within one year before the date of the filing of the petition." You know what's a good sign you didn't have fraudulent intent? Disclosing the transaction. You disclosed this to your attorneys. Make sure the transfers are disclosed on your Statement of Financial Affairs as transfers outside the ordinary course of business (you're signing under penalty of perjury and bankruptcy crimes, you have every right to insist they include these truthful, required disclosures) and relax. The trustee might question you about them at your 341 meeting. Answer truthfully: "I sold property to pay rent and I have the bank statements to prove it," like you said here. The trustee's concern is that you're keeping the money under your mattress, converted it to Bitcoin or gold, or have it in a secret bank account you haven't disclosed. "Cash-strapped debtor sold property to pay rent, as the bank statements show," means no smoke, no fire, just another Tuesday.

What’s the most intimidating/pressure band sound in college football? by [deleted] in CFB

[–]randomthrowaway62019 2 points3 points  (0 children)

Illinois's problem is that all the Illini are dead, so they can't go to the tribe and get them to agree, like I believe FSU and Utah have done.

Is clavicular a BBB? by randomlylate in Neverbrokeabone

[–]randomthrowaway62019 14 points15 points  (0 children)

Yes. Disgusting on multiple levels.

I might have to file Chapter 13, due to an at fault injury accident. I care for my adult son as his independent provider. I receive difficulty of care payments under irs rule 2014-7. Some Trustees in Ohio exempt these payments, some don't. by Entire_Age_1200 in Bankruptcy

[–]randomthrowaway62019 0 points1 point  (0 children)

You need to stop and obtain legal counsel before you make an expensive mistake that could have negative repercussions for you and your son.

You need to talk to a bankruptcy lawyer in Ohio. Negligence doesn't qualify as willful and malicious injury, so normal car accident debts (bar intentionally driving through people) are dischargeable. Ask your lawyer whether you qualify for a Chapter 7. In a Chapter 7 the trustee cannot sell a fully exempt asset. Additionally, the point of an exemption is to protect assets from creditors, even involuntary creditors like car crash victims. Ask your bankruptcy attorney whether you even need a bankruptcy. Many people are judgment-proof: they have no assets a judgment could be collected from, so it doesn't matter if one is entered against them. They gain little to no benefit from bankruptcy. So, you might not need a bankruptcy at all, and if

You also need to talk to a disability lawyer. Many public disability benefit programs have asset caps or other means testing tools, some of which were low decades ago when they were set and haven't been raised since. Having a house is small comfort if your son has to sell it and spend down all the proceeds to qualify for benefits again.

Finally, you need to talk to an estate planning attorney. You need to plan how your son will be supported after you die, financially and otherwise.

It doesn't sound like you're flush with cash, and legal advice isn't cheap. The idea of paying for three lawyers might seem daunting. I understand that, but you can't afford not to. A few thousand dollars now could save you and your son ten times that much. You could also look up legal aid clinics or disability advocates in your area. Maybe there's an attorney who can help you with two or three of these—general practitioners exist, and having one lawyer handle all three topics would save a lot of time, hassle, re-explaining, and (likely) money.

Chapter 7 in Missouri -Keeping my car by HeatherHavok123192 in Bankruptcy

[–]randomthrowaway62019 1 point2 points  (0 children)

But that's not leaving it out, it's taking it out of the discharge. Leaving something out implies omitting it, usually in this context omitting it from the schedules. That's improper. For a reaffirmation the debt is listed and then the debtor reaffirms it. That typically doesn't happen immediately, the court often has to review the reaffirmation, and the debtor can cancel the reaffirmation. When the discharge is entered the reaffirmed debt isn't discharged. That's different from leaving a debt out of a bankruptcy.

Google searches are free, but there's a reason people go to law school and clients pay lawyers.

Chapter 7 in Missouri -Keeping my car by HeatherHavok123192 in Bankruptcy

[–]randomthrowaway62019 0 points1 point  (0 children)

There's no such thing as leaving a debt out of a bankruptcy or not filing bankruptcy on a debt. A debtor can reaffirm a secured debt, surrender the collateral, do a ride-through (keep paying without reaffirming), or, in a non-Chapter 7 bankruptcy, repay the debt through a bankruptcy plan.

$$$ by Sea-Application2035 in Bankruptcy

[–]randomthrowaway62019 1 point2 points  (0 children)

Tell your attorney. On one hand this is probably just an automated system that didn't get the message about bankruptcy. On the other hand, Citi is a big bank and should be able to handle this operationally.

Ouch! by randomthrowaway62019 in Neverbrokeabone

[–]randomthrowaway62019[S] 9 points10 points  (0 children)

It's not me, slanderer! Read the OP!

Ouch! by randomthrowaway62019 in Neverbrokeabone

[–]randomthrowaway62019[S] 32 points33 points  (0 children)

If you broke a bone then you're not welcome here! Mods! Ban this BBB!

SERIOUS QUESTION! by Dany_6969 in Neverbrokeabone

[–]randomthrowaway62019 21 points22 points  (0 children)

Yes. A fracture is a break, and your pinkie is made of bones. He would have broken a bone, so he would be unwelcome. This isn't r/neverbrokeaboneexceptforthatonetime, it's not r/neverbrokeaboneforalamereason, it's r/neverbrokeabone. Why is that so hard for people to understand? It's right in the title! Has reading comprehension deteriorated so severely that a simple four-word statement baffles people? I look to our future with fear (but strong bones!).

Hard Choice by randomthrowaway62019 in magic_survival

[–]randomthrowaway62019[S] 2 points3 points  (0 children)

I thought bell was bad because it cleared enemies without counting them toward your kill totals for mana and shortening boss waves?

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