We are in the process of filing for Chapter 7. I have a few questions and hopefully someone has an answer.
: 1) My 17.5 year old daughter has her own checking account directly associated with our main checking account. How would I list her account in our papers? Since I am the adult on her account, would I be holding this account for her?
: 2) I am purchasing a laptop for said daughter through payroll deduction. This computer is a birthday present/christmas present/graduation present. Is this considered secured property? Would I also list this property as something I am holding for her?
: 3) I read that it is a good idea to add creditors who have fallen off our credit report so that these old debts can not be sold to some CA. What do you all think about this one?
: 4) I am having problems trying to find out whether exemptions are doubled for the state of Idaho since it is a community property state. Anyone know? I've already checked the state's exemption page but I do not remember seeing anything about double exemptions.
: 5) Where would I list my landlord in the paperwork? Under the contracts/leases? We are not behind on our rent and we have lived in our current place for so long that we do not have a written lease per se. Would I still list him?
: Sorry for the questions but we are getting near to filing and I want to take all the paperwork in for our free consultation with our local bk attorney.