Personal Bankruptcy Tips #3
Amending Your Bankruptcy Paperwork
Many people choose to do their own paperwork (most often because they can’t afford an attorney or a professional form preparer.) Any problems with your chapter 13 bankruptcy petition will become apparent at your chapter 13 confirmation hearing.
Fortunately the law makes it easy to correct and/or change your paperwork in this situation. If you hire a bankruptcy attorney, they will help you clean up and properly prepare your paperwork.
Post Bankruptcy Credit Card Scams
You go through your bankruptcy and find to your delight that you receive a mailing from some firm who promises to provide you with a genuine credit card for a heft up front fee.
Here you think is an opportunity to get some financial credit and also help you rebuild your damaged credit rating. But there’s a catch.
Though the credit card they feature in their brochure looks like a genuine Visa or MasterCard – it isn’t either. It’s some sort of mail order credit card that is only good for purchases from their own catalog.
When
you check the catalog you find desirable merchandise but you’re shocked to
discover astronomical prices way, way over the usual retail level.
Pay Stubs and Personal Bankruptcy
It may take some searching around but you’ll need to come up with your pay stubs for the 60 day period immediately preceding your bankruptcy filing.
If you can’t locate them you can:
- Request copies from your employer
- Wait another 60 days to accumulate new stubs
- Go ahead and file and try to explain why you lost the old stubs
If you’re self-employed you’ll have to fill out an additional form. Be sure to ask your lawyer or the court for the required form before filing.
