Just so you know, you will get an "excellent" rating from us!...I think I understand...
Response 1: I appreciate that.
but am I to assume that things such as:
Lasik Eye Surgery,
Cosmetic Surgery (I've had four kids and would like to get a little lift,- possible breast lift, and maybe some ab work though a tummy tuck is probably too much unless I go to Mexico!-- but it really is something I'd like to pursue as much as I can )
Nail Tech Course ($2000)
Bringing my car to the shop because the "service" light is on, etc. and any expenses that will incur, etc.
Are those "luxury" expenses? And what if we use our loan for those and wait more than 90 days?
Response 2: Those expenses are alright. Just make sure that you wait to file at least 91 days after paying for those expenses.
Also, we do owe some family money, can't we just pay that back without saying anything about it if we wait the required amount of time?
Response 3: This is a “NO NO.” You cannot do this. You would get yourself in trouble with the Trustee if the information is revealed during your examination and careful review of your assets and liabilities. Also, U.S. Trustee's Office conducts random audits. If you are audited and it is discovered that you lied about your liabilities and those paid, not only can you not receive the discharge of your debts, you could be facing some stiff penalties including jail time—bankruptcy fraud carries a sentence of up to five years in prison, or a fine of up to $250,000, or both. See 18 U.S.C. Sections 152 and 157: