Source: http://www.meyerllp.com/disclosures
Timestamp: 2019-04-22 10:00:48+00:00

Document:
To the extent that you are seeking Bankruptcy Assistance, the Meyer Law Group is a Debt Relief Agency under 11 U.S.C. § 527 and we are required to provide you with certain mandatory disclosures. By accessing our website, you are hereby notified of the following mandatory disclosures. If you would like a paper copy of these disclosures or have any questions about these disclosures please call our office at (415) 765-1588.
Notices from the bankruptcy court are sent to the mailing address you list on your bankruptcy petition. In order to ensure that you receive information about events concerning your case, Bankruptcy Rule 4002 requires that you notify the court of any changes in your address. If you are filing a joint case (a single bankruptcy case for two individuals married to each other), and each spouse lists the same mailing address on the bankruptcy petition, you and your spouse will generally receive a single copy of each notice mailed from the bankruptcy court in a jointly- addressed envelope, unless you file a statement with the court requesting that each spouse receive a separate copy of all notices.
you may still be responsible for most taxes and student loans; debts incurred to pay nondischargeable taxes; domestic support and property settlement obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts which are not properly listed in your bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle, vessel, or aircraft while intoxicated from alcohol or drugs. Also, if a creditor can prove that a debt arose from fraud, breach of fiduciary duty, or theft, or from a willful and malicious injury, the bankruptcy court may determine that the debt is not discharged.
WARNING: Section 521(a)(1) of the Bankruptcy Code requires that you promptly file detailed information regarding your creditors, assets, liabilities, income, expenses and general financial condition. Your bankruptcy case may be dismissed if this information is not filed with the court within the time deadlines set by the Bankruptcy Code, the Bankruptcy Rules, and the local rules of the court. The documents and the deadlines for filing them are listed on Form B200, which is posted at http://www.uscourts.gov/bkforms/bankruptcy_forms.html.
(1) All information that you are required to provide with a petition and thereafter during a case under the Bankruptcy Code is required to be complete, accurate, and truthful.
(2) All assets and all liabilities are required to be completely and accurately disclosed in the documents filed to commence the case.
a. Some places in the Bankruptcy Code require that you list the replacement value of each asset. This must be the replacement value of the property at the date of filing the petition, without deducting for costs of sale or marketing, established after a reasonable inquiry.
b. For property acquired for personal, family, or household use, replacement value means the price a retail merchant would charge for property of that kind, considering the age and condition of the property.
(3) The following information, which appears on Official Form 22, Statement of Current Monthly Income, is required to be stated after reasonable inquiry: current monthly income, the amounts specified in § 707(b)(2), and, in a case under Chapter 13 of the Bankruptcy Code, disposable income (determined in accordance with § 707(b)(2)).
(4) Information that you provide during your case may be audited pursuant to provisions of the Bankruptcy Code. Failure to provide such information may result in dismissal of the case under this title or other sanctions, including criminal sanctions.
(1) How to Value Assets at Replacement Value. Replacement value under 11 U.S.C. § 506(2) means the value determined based on the replacement value of such property as of the date of the filing of the petition without deduction for costs of sale or marketing. With respect to property acquired for personal, family or household purposes, replacement value shall mean the price a retail merchant would charge for property of that kind considering the age and condition of the property at the time value is determined.
(2) How to Determine Current Monthly Income. Your current monthly income includes all income you have received from any source in the last 6 months. This includes wages, salary, tips, bonuses, overtime, commissions, income from operation of a business, profession or farm, rents and real property income, interest, dividends, royalties, unemployment, pension and retirement income. Income also includes regular contributions to your household expenses, including from a child, roommate or spouse. Income includes income from any other source not listed above.
(3) The Amounts Specified in § 707(b)(2). You will be required to complete a “means test” to determine the bankruptcy chapter you can file. This test will be applied based upon your monthly income as explained herein. This test will also be applied based upon monthly expenses. Some of these expenses will be based upon applicable monthly expense amounts specified under National Standards and Local Standards, and some on your actual monthly expenses. Your actual monthly expenses include your average monthly expenses for payments to secured creditors on your automobile, amounts actually incurred for taxes, mandatory payroll deductions, life insurance premiums, money required to be paid by court order, including spousal or child support, education expenses required for work, child care, health care not otherwise reimbursed and the amount you pay for telecommunication services.
(4) In a Chapter 13 Case, How to Determine Disposable Income in Accordance with § 707(b)(2) and Related Calculations. In a Chapter 13 case, your income and expenses also include Chapter 13 administrative expenses of up to 10% of your required plan payment.
(5) How to Complete the List of Creditors, Including How to Determine What Amount is Owed and What Address for the Creditor Should be Shown. You will be required to provide a list of all your creditors. This list must include the name and address of the creditor as well as your account number with this creditor. If, within 90 days before you file bankruptcy, a creditor supplies to you in at least 2 communications the account number and an address that the creditor request to received correspondence, you must use this address and account number. The creditor may also file with the court a notice of address to be used to provide notice to such creditor.
(6) How to Determine what Property is Exempt and How to Value Exempt Property as Replacement Value as Defined in § 506. You can exempt certain property from property of your bankruptcy estate. You may use the exemptions available under California Law if you have lived in California for 730 days prior to the bankruptcy filing. If you have not lived in California for the last 730 days, you will have to use the exemption laws under the state that you lived in prior to California, if you lived there for at least 180 days. If you did not live in that state for 180 days, you will have to use the Federal Exemptions available under 11 U.S.C. § 522. You value your exempt property under the replacement value that is listed previously herein.

References: § 527
 § 707
 § 707
 § 506
 § 707
 § 707
 § 506
 § 522