Can I stop my Ch 7 BK?

[bobsalas]

What is the name of your state? OR

Filed for Ch7 in Septmeber and it is turning into a big cluster. Can I withdraw my petition? Is it easy? Do I need a special reason?
I think that I will do better doing negotiated settlements on my unsecured debt and just having them repo my truck.
Any help!

[Ladynred]

Ok, suppose you tell us exactly what the clusterF is ??
Repo your truck ? You mean the Trustee wants it ?

Have you had your 341 meeting yet ??

If you have, you may not be able to get your case dismissed, its not that easy in a Ch 7.

[bobsalas]

I have had amy 341 meeting.
I forgot to list a few items in my filing so now I have to have a hearing. The item was a drop ship website I ran that never panned out. They found it because I still had a bank account with its name that I used for ebay and paypal. It had about $2.00 in it.
They went to the website and because I was selling electronics items, they think I have a warehouse of equipment. It would be funny (who believes what they read on a website, anyway) if it was not happening to me.
I thought I felt stress when creditors were calling, that was nothing.

[bobsalas]

A cluster F*** was a term Clint Easywood used in Heartbreak Ridge to describe a, gennerally speaking, big mess.
I told the trustee I would keep the truck, but now I see I can not afford to. I would just send it back or let them repo it.
The trustee thinks there are assets enough for a Ch13. We could probably afford that, but we would be no worse/better off if we just did the negotitated debt reduction route. At least we will not have the governemnt in our lives.

[Ladynred]

A cluster F*** was a term Clint Easywood used in Heartbreak Ridge to describe a, gennerally speaking, big mess.

LOL - oh, I already knew what you meant - saw Heartbreak Ridge What I was asking is - what about your bk is making it into a clusterF* ?

The alleged 'warehouse' would be fairly easy to prove does not exist - and never did. Not everyone understands the drop-ship kind of business that is prevalent in places like E-bay.

The assets enough for a 13 - that's a tough one, but not impossible to disprove. If your lawyer is any good, and if you don't have assets for a Ch 13, you should be able to show that what the Trustee is after doesn't exist.

Dismissing a Ch 7 after you've had the 341 is not easy at all. You might be better to let the Ch 13 go thru - then voluntarily dismiss but you really need to discuss that with your lawyer.