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"Penalty Of Perjury Meaning" Discussion

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Upsolve Community Member

The IRS is still taking money out of my check and humana shows I still have a balance. Do the creditors need to be notified with certified letters? Are there any articles on how to handle creditors that don't honor the chapter 7 decisions?

Community Replies:

Upsolve Community Member
Hi Susan, Here is an article to give you some guidance on this topic: https://upsolve.org/learn/irs-debt-and-bankruptcy/

Upsolve Community Member
Was this a dischargeable tax debt, Susan? That article Erin shared can help you determine whether or not it's dischargeable in bankruptcy

Upsolve Community Member
According to that document, my debt should be discharged.  The gentleman from IRS said it is relative to state laws.  The substitute tax return was done for 2008.   The tax and return were much older than three years.  I spent a whole year trying to get a copy of that tax return.  They cashed my check and never sent the return.  Then they sent me documentation that there was no return and sent my fee back to get my old transaction of a return.  Now I'm worried the debt was in an unsecured debt and not a secured debt.  

Upsolve Community Member
This might help, too! https://upsolve.org/learn/what-is-secured-debt-in-bankruptcy/ 

Upsolve Community Member
IRS returned the money they had taken out.

Upsolve Community Member
I logged bak into my Pacer account and there is a new entry.  Can you tell me what this means?  Trustee Certification of Services Rendered Under 11 U.S.C. Section 330(e). I rendered the following service in the case and am eligible for payment under 11 U.S.C. Section 330(e): Filed a Report of No Distribution. I declare under penalty of perjury that the foregoing is true and correct. (Executed on 1/28/2022). (RE: related document(s) Meeting of Creditors Held and Concluded on 1/21/2022. Chapter 7 Trustee's Report of No Distribution: I, Diane Carter, having been appointed trustee of the estate of the above-named debtor(s), report that I have neither received any property nor paid any money on account of this estate; that I have made a diligent inquiry into the financial affairs of the debtor(s) and the location of the property belonging to the estate; and that there is no property available for distribution from the estate over and above that exempted by law. Pursuant to Fed R Bank P 5009, I hereby certify that the estate of the above-named debtor(s) has been fully administered. I request that I be discharged from any further duties as trustee. Key information about this case as reported in schedules filed by the debtor(s) or otherwise found in the case record: This case was pending for 1 months. Assets Abandoned (without deducting any secured claims): $ 1627.69, Assets Exempt: Not Available, Claims Scheduled: $ 200990.67, Claims Asserted: Not Applicable, Claims scheduled to be discharged without payment (without deducting the value of collateral or debts excepted from discharge): $ 200990.67.). Filed by Diane Carter (Carter, Diane) (Entered: 01/28/2022)

Upsolve Community Member
This should help! https://upsolve.org/learn/report-of-no-distribution/ 

Upsolve Community Member

I am fully disabled since 1999 and can’t work. Living alone for the first time in my life since my mom passed in 2014. We shared expenses. I literally buy groceries with what little open credit I still have. Only way around this is to stop paying on the credit card bills and past due medical bills. The constant phone calls from creditors will drive me crazy. Been there before but not as much debt and slowly dug myself out using up every bit of savings and 401k. I already know it will affect the steadily growing monthly personal loan I receive from a family member. Will deciding to start this process over affect me from using this service at a later date? I think I should have asked more questions before fully starting the process. Having trouble finding some needed documents and can’t get copies due to age. They are in storage boxes. Will totally deleting and starting over be possible?

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Community Replies:

Upsolve Community Member
Hi Julie, thank you so much for sharing this with us and for your questions! A user is free to restart this process if they need to with no penalty. We hope that the Upsolve Community can be a place of support and information as you continue this process towards a fresh start!

Upsolve Community Member
This article may also be of some interest to you: https://upsolve.org/learn/bankruptcy-and-disability/

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