What is the name of your state?NY
I am starting to prepare my paperwork, and I have a few questions. Sorry if some may be similar to ones I’ve asked in the past but I just want to be thorough.
1. When listing creditors and collection agencies on schedule F. I know to list the original creditor first, followed by any collection agencies. Do I reenter the amount owed or put something like “see ‘original creditor’”? Also I have one collection agency that actually has several of my debts. Do I list this agency after each of the original creditors on my schedule F? And on the matrix do I list it just once?
2. I have read through many of the posts regarding judgments. I have several entered in against me. I cannot get an attorney; there is just no way I can afford one (I have purchased the Nolo Press book). Currently though the judgments are entered against me I have no garnishments or levy against my paycheck and bank accounts. I hope to file before that happens. Are those the big issues for needing an attorney? What else should I be aware of regarding filing Ch. 7 with judgments?
3. I have one creditor, which is the Parking Violations Bureau for the City of Buffalo. This debt is only about $78, since this would be a nondischargeable debt should I pay it off now so I do not have to list it on my bankruptcy?
4. In NY the exemption for wages states “90% of earned but unpaid wages received within 60 days before & anytime after filing”. What does that mean? I am paid weekly, does the 90% apply only to the unpaid weeks wages or is the trustee going to want 10% of every paycheck for 60 days prior to filing and all paychecks after filing?
Thanks for any help you can give me.
I am starting to prepare my paperwork, and I have a few questions. Sorry if some may be similar to ones I’ve asked in the past but I just want to be thorough.
1. When listing creditors and collection agencies on schedule F. I know to list the original creditor first, followed by any collection agencies. Do I reenter the amount owed or put something like “see ‘original creditor’”? Also I have one collection agency that actually has several of my debts. Do I list this agency after each of the original creditors on my schedule F? And on the matrix do I list it just once?
2. I have read through many of the posts regarding judgments. I have several entered in against me. I cannot get an attorney; there is just no way I can afford one (I have purchased the Nolo Press book). Currently though the judgments are entered against me I have no garnishments or levy against my paycheck and bank accounts. I hope to file before that happens. Are those the big issues for needing an attorney? What else should I be aware of regarding filing Ch. 7 with judgments?
3. I have one creditor, which is the Parking Violations Bureau for the City of Buffalo. This debt is only about $78, since this would be a nondischargeable debt should I pay it off now so I do not have to list it on my bankruptcy?
4. In NY the exemption for wages states “90% of earned but unpaid wages received within 60 days before & anytime after filing”. What does that mean? I am paid weekly, does the 90% apply only to the unpaid weeks wages or is the trustee going to want 10% of every paycheck for 60 days prior to filing and all paychecks after filing?
Thanks for any help you can give me.