I Can Now Breathe and Move On

I'm officially Bankrupt pending my final on line credit management course and an appraisal on some jewelry.

I am mentally exhausted and will write more later, but the Trustee only had a few questions for me:

1) Why did I open an HSA during my filing period? (Because my work was not paying 100% of my health insurance premiums and this was reccommended to me to help offset medical costs)

2) Can I get an appraisal on my three pieces of jewelry and send to his office, as I was right at/over the personal exemption on jewelry?

3) Was I expecting a tax refund ? (Not as much as last year)

I have three pieces of jewelery that are what I consider "good pieces". My grandfathers gold pocket watch, my mothers diamond/sapphire wedding band and my grandmothers pearl necklace. I explained to the trustee that I used a very old appraisal I had on file and I was not sure if the pieces would appraise out now to the same price. Truthfully, I lost two of the stones in the wedding band and the watch has not worked in years. He seemed to be sympathetic to me as I told him these items were left to me by my now dead relatives, but if I still needed an appraisal done and sent to his office, I would do so.

Other than that, he asked for my bank balance as of the filing date, he said the meeting was over, gave me a sheet on bankruptcy and moved on to the next case. My attorney told me send in the appraisal,take your last class and good luck.

Good luck, I'll need it, that's for sure.