I was working with one of your online lawyers (JC ???????????) when my Internet program froze and had to reboot my computer. Here I am again. He wasn't understanding of what I'had written, (in my opinion) it was $38 plus a $15 tip on the table which I did not yet approve because of this reboot so either he can take this as a clarification statement and he can start a fresh and answer the clarification or someone new can start but I don't consider his answers up till now anywhere near what I need to know,.....so here is the clarification:
I will be filing for bankruptcy Chapter 7
state of California.
For years I've used my credit cards to pay all kinds of taxes on the Internet. I also made monthly payments (anywhere from minimum payments to payment in full ) to my credit cards for years. Below is a timeline to help explain the situation
July 1-credit card statement balance due $4000
July 10-paid $2000 federal taxes online using credit card. Standard practice for paying all my resale tax, state and federal tax debts. Easy convenient
July 25 paid $1000 to credit card
August 1-credit card statement balance due $5000
August 10-15 2 business occurrences that after 12 years of operating profitably make the business shutdown
August 20-first thoughts of filing Chapter 7 bankruptcy
August 31-meet with bankruptcy lawyer and decide to file Chapter 7 bankruptcy
the $4000 on July statements is all dischargeable debt. The July 10th $2000 is non-dischargeable tax debt.
As you can see by this timeline no credit card mis-usage was intended by using credit card July 10 $2000 tax payment because no bankruptcy was considered until August 20. If I had known that I was going to file for bankruptcy (which I didn't) I would've redirected from the July 25 payment of $1000 the credit card company to have paid $1000 on the Fed tax and made arrangements to pay the balance.
Can I request/make-file a motion-pleading, whatever the terminology is, to the bankruptcy judge to apply the July 25 payment of $1000 specifically to the July 10 $2000 tax payment transaction leaving $1000 I will still owe on my federal taxe? which of course brings my credit card dischargeable balance from $5,000 to $6000
if not and that the nondischargeable debt is stays at $2000 which I will still have to pay off, is my payment of $2000 to the feds made by using the credit card still valid and that I owe nothing on my taxes. Otherwise it seems I'll be paying twice, $2000 on nondischargeable debt to the credit card company plus an additional $2000 to pay the now open balance on my federal taxes. Please educate me on this matter