After consulting with a bankruptcy attorney, I find I cannot afford to pay an attorney to file bankruptcy, so I’m going to file myself. In early March, I paid $4,000 to a credit card company to settle a $12,000 debt. He told me that money can be returned from that company on demand, and then paid to the IRS since taxes are a priority debt. How do I address that in the bankruptcy paperwork I file with the court?
I need to know how to list a debt I paid to a credit card company within the last 60 days so that the bankruptcy court or trustee demands those funds be returned to be paid on my IRS debt, which is a priority debt?
Having to pay a bankruptcy and resenting it is like being pissed off at the dentist for them filling a cavity. Some tasks are best left to professionals.
I don’t know because this self-representation path is not one I would take in a bankruptcy. Bankruptcy filing errors can create a lot of problems. And while you do have to pay a bankruptcy attorney to represent you, what you are getting is their professional expertise, knowledge of how to best achieve the bankruptcy goal, and how to overcome and avoid potential problems. And apparently the bankruptcy lawyer you met with already knows how to do it. I think I know what the bankruptcy attorney was talking about but the clock is ticking on that and time-is-of-the-essence for you to file to recover it within the window of recovery.
The irony here is that if you have used part of the $4,000 to go bankrupt to begin with, this would not be an issue.