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@Anonymous wrote:
I’m about to be unemployed and was wondering how long I’d have to wait before filing. I spoke to multiple attorneys 1 says I can file right after being let go, the other says I need to wait long enough to pass a means test even though I have documentation stating my position is terminated. I currently make to much to file employed but I shouldn’t have any issue while being unemployed.
The attorneys in my area suck they all have 3-4 google reviews.
Are you not enititled to unemployment, severance pay? Can you not find another job?
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
1. The means test covers all gross income received in the 6 calendar months prior to filing. If, in that window, your gross income puts you over median income and you do not "pass" the means test there will be a "presumption of abuse" if you file Chapter 7. The fact that you just lost your job does not change this. The fact that you are now unemployed may or may not assist you in defending against the claim of abuse that will be brought by the US Trustee. If you can wait until you pass the means test, why would you want to risk dealing with the US Trustee?
2. You need to tell your attny about the severance package. Either the funds received (if not spent) or your right to receive funds will be an asset of the bk estate and, if not exempt, may have to be turned over to the Trustee if you file Chapter 7. No one on this or any other forum should advise you one way or the other as it relates to "declining" a severance package. You NEED to talk to an attny before you do anything.
Des.
If you know you can't pay, don't pay anything that unsecured.
Quit using all credit cards.
Opening a new checking account with a bank that you do not owe anything to.
Save money for an attorney.
Then file in 6 months.
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
i'm getting a severance, the attorney said i should withdraw it because I'm allowed to have 10k on cash but if it's in bank it's considered liquid and could be taken away. not sure how accurate that is.
There is nothing more liquid than actual cash. Just because it is in your dresser drawer does not mean you do not have to disclose it to the trustee.