Tronox files for bankruptcy

Need some serious help… we suck, I know. Life hasn’t been kind and we’re trying to catch up.
We haven’t filed 2020-2023 taxes. I started working on 2023 and we owe 2k fed. Did 2022 and we owe a little over $3k. I was prepared to pay both, but when I looked at my husband’s W2 for 2020 and 2021, I noticed that he barely paid any taxes in those years. Like $150 and $15. He paid a little over $2k in 2023 and we had a 3rd dependent and owe 2k. He paid a little over $2500 in 2022 and we owe 3k.
I became overwhelmed and didn’t do 2020 and 2021, but at this rate it’s looking like we may owe $5800 for 2020 and 2021 each (only 2 dependents both years and hardly any taxes taken out). We’re looking at about $16k total for all years.
What are our options? Would filing separately help any with my obligation? How would him filing bankruptcy help? I don’t think we’d qualify for a payment plan. I don’t know about the offer in compromise? I’m just lost and don’t know where to go. I am making an appointment with HR & Block and he’s checking with his payroll department about what’s happening (he did 0 exemptions but more state tax than fed is coming out). Is H&R Block the best option? Help please. We’re trying to get on the right side of things but are drowning.

Shit crazy it's come to this...they struggling to pay rent and dam near about to get put out ...if they don't get any investors soon they bout to file bankruptcy. This company had Hella potential I just wanna know where it went wrong.
They should of definitely dropped a cheaper vehicle from the start and then had the luxury version for when they was more established because they would of been one of the first evs in the game back in 2016/2017.
The fact a unknown company comes out with a 300k vehicle from the jump as there flagship car is where they fucked up and was a stupid business decision imo

I am paying a lawyer monthly for 4 months now, they have not filed the bankrutpcy yet until I pay in full. I've decided not to go thru with the bankruptcy, will i still be able to get a refund for that?

Hello everyone,
I am in a tough financial situation and could really use some advice. I have accumulated around $18,000 in credit card debt and I'm not sure if I should file for bankruptcy. One of my credit cards has already filed a judgement for about $8,000, while the other two are in collections.
I recently spoke with the credit card company that has the judgement against me, and they offered to lower the total amount to $6,000 if I make monthly payments of $600. However, if I were to agree to this arrangement, I would not have enough left over to make payments on the other two credit cards.
I can only afford to pay $200 a month for all of my debts, and when I tried to explore debt consolidation options, I was told that they wouldn't cover cards that already have judgements against them.
I am feeling overwhelmed and unsure of what to do next. Should I consider filing for bankruptcy, or are there other options that I haven't explored yet? Any advice or suggestions would be greatly appreciated. Thank you in advance.

I so love that our data is obviously not protected and neither political party cares. How are these creeps getting my email?
This was sent to me today, Saturday, 6/1/24.
I'm posting a screenshoot. When I hovered over the url, it goes to some gibberish site.
https://imgur.com/blockfi-bankruptcy-scam-sent-6-1-2024-to-gmail-Nlfm08v
Subject line: BlockFi Bankruptcy: Choose a Payment Method
SENDER: Settlement Administrator noreply@digitaldisbursements.com
Dear BlockFi Customer,
Your claim in the Blockfi bankrupcy has been approved and you are entitled to a payment in the amount of $127.60. If you have received a previous payment, this amount will be paid in addition to any previous payments made. Please click on the link below by June 7, 2024 to choose how you like to receive your payment.
https://blockfi.digitaldisbursements.com
You will be prompted to enter your Payee ID and the email adddress that you have on file with BlockFi to verify your identity.
For more information, visit, https://restructuring.ra.kroll.com/blockfi.
This email even had a Kroll watermark at the bottom. And one of the sums I'm owed in Gemini dollars is $127 dollars and some cents.
EVERY LINK, including the "Unsubscribe" hyperlinks at the top and bottom of the page, looked official. Every hyperlink I hovered over led to the same scuzzy website.
Please be careful all.
I really hate BlockFi for this. For all of this. I guess I should be grateful we're getting anything, but right now, I'm mostly just pissed.

Hello friends,
We went under contract with Lennar last week and they're submitting my ernest money on Monday (the sales rep was kind enough to hold it for me- to give me some time to decide if I wanted to move forward or not). Since we've gone under contract, we've found a plethora of horror stories and reviews on Lennar homes. I did notice some of the same reviews copied and pasted onto multiple websites- which I don't doubt their legitimacy or pain and suffering, but that does seem to inflate the negative reviews
We understand the the work is subcontracted out to the lowest bidder and the quality of workmanship will vary depending on the Construction Manager (CM) and the skill of the labor pool in that area (Florida seeming to have it the worst). We also understand that many of the complaints stem from utilizing their own mortgage company. It seems as though most of these issues are based on location, as here in the Pacific North West- we haven't seen nearly as many issues from what I've read when compared to the east coast. The Lennar reviews even have somewhat decent reviews here.
Here's my situation:
I'm currently using the VA home loan locked in at 6.5%, so I shouldn't need to deal with Lennars mortgage company or the whole circus attached to it. We haven't gotten any static for wanting to have a 3rd party home inspection done, in fact they seem to already know one would be ordered. We love the location and layout of the house.
This would be our first home purchase and we're not looking for anything fancy. Many of the complaints about Lennar homes on Youtube- show extravagant (IMO) homes that look like they should be in magazines.
I'm perfectly fine with the "American cookie cutter, 2-story, 3-bedroom, attached 2 car garage house w/ driveway." But after reading all the horror stories- I'm questioning if that's even a possibility anymore in todays world. I don't care for options (I can add that later), I just want a quality home to live in that won't quickly disintegrate. Something that isn't going to be the largest regret of my life and cause me to file for bankruptcy.
I would be purchasing the home with my better half and we plan on splitting all the bills- the mortgage between us would be around 1650. We found that purchasing a normally built house (ie. not a track home), the prices tend to increase significantly inverse to the sq. footage.
The home we want is also a single detached... which means we're on the hook for everything exterior, where as if we were in a townhome, the entire envelope of the building is taken care of by the HOA. Although we WANT the detached, the benefits of not having to pay for envelope repair does sound nice, but that shouldn't be the only reason we'd want it.
The entire neighborhood looks amazing. I tried looking for older Lennar home locations, just to see how the neighborhoods faired with time, but the ones I saw (still only 3-4 years old) looked in great shape.
From what I can see- my only other options are really:
-Rent an apartment (which will cost just as much, we'd have less space (we have 2 kids and 3 dogs), rent would increase each year, and we're paying on something we do not own. Even getting an single bedroom apartment for just myself would be 1500+
-Rent out someone's house (Costs about just as much, paying on something we don't own, they too usually adopt the same pet policies as the apartments)
Any guidance or reviews from people living in the Smith Creek homes would be GREATLY appreciated. It's supposed to rain the next few days (surprise) so we plan on stopping by to walk through the house to see if we can't catch any leaks (The dry wall is up but the interior is completely unfinished)

“Earlier this month, Steward Health Care, a major hospital chain, filed for bankruptcy.

 Like so many other bankruptcies in recent decades, it followed the purchase of the chain in a leveraged buyout by a private equity fund that controlled a large stake in the chain between 2010 and 2020. 

American workers who both invest in and work for entities controlled by private equity. Our members’ retirement funds have over $4 trillion invested. And those funds rely on a healthy economy and broad-based economic growth to fund our long-term obligations to our participants.
We agree with the Biden administration that private equity needs greater transparency, fairer fees, and a business model that grows strong businesses and creates good jobs—not one that exploits workers, loads companies with debt, and sells them off for parts.
Educators, nurses, and construction workers rely on defined benefit pension funds to ensure they can retire with security and dignity. They look to Wall Street for investment expertise, and we expect loyalty to our members in return. That is what fiduciary duty is: loyalty and care.
Strangely, some pundits seem to think that when the acting secretary of labor encourages pension fiduciaries

 to look at data and ask hard questions—about fees, performance, labor standards, and the economic model that private equity is pushing—it is somehow “bullying.” 

It’s no surprise that the last time retirement funds raised these issues, we were attacked by some of the same players who are attacking us now.
Let’s look at who’s really doing the bullying.

 Far too many private equity firms have developed a reckless track record of worker abuse, union busting, and child labor. 

This behavior has led to business failures that undermine the foundations of our economy’s success—good jobs and economic security for ordinary people—and betrays the very funds they profess to serve.

 Some on Wall Street argue that the only way for pension funds to make money is to exploit workers and communities. 

But while that kind of thing may work for Wall Streeters in the short run, it’s not a viable strategy for pension funds that invest long term across the entire economy.
https://fortune.com/2024/05/31/pensions-american-workers-private-equity-firms-hard-questions-labor-finance-politics/

Hello friends,
We went under contract with Lennar last week and they're submitting my ernest money on Monday (the sales rep was kind enough to hold it for me- to give me some time to decide if I wanted to move forward or not). Since we've gone under contract, we've found a plethora of horror stories and reviews on Lennar homes. I did notice some of the same reviews copied and pasted onto multiple websites- which I don't doubt their legitimacy or pain and suffering, but that does seem to inflate the negative reviews
We understand the the work is subcontracted out to the lowest bidder and the quality of workmanship will vary depending on the Construction Manager (CM) and the skill of the labor pool in that area (Florida seeming to have it the worst). We also understand that many of the complaints stem from utilizing their own mortgage company. It seems as though most of these issues are based on location, as here in the Pacific North West- we haven't seen nearly as many issues from what I've read when compared to the east coast. The Lennar reviews even have somewhat decent reviews here.
Here's my situation:
I'm currently using the VA home loan locked in at 6.5%, so I shouldn't need to deal with Lennars mortgage company or the whole circus attached to it. We haven't gotten any static for wanting to have a 3rd party home inspection done, in fact they seem to already know one would be ordered. We love the location and layout of the house.
This would be our first home purchase and we're not looking for anything fancy. Many of the complaints about Lennar homes on Youtube- show extravagant (IMO) homes that look like they should be in magazines.
I'm perfectly fine with the "American cookie cutter, 2-story, 3-bedroom, attached 2 car garage house w/ driveway." But after reading all the horror stories- I'm questioning if that's even a possibility anymore in todays world. I don't care for options (I can add that later), I just want a quality home to live in that won't quickly disintegrate. Something that isn't going to be the largest regret of my life and cause me to file for bankruptcy.
I would be purchasing the home with my better half and we plan on splitting all the bills- the mortgage between us would be around 1650. We found that purchasing a normally built house (ie. not a track home), the prices tend to increase significantly inverse to the sq. footage.
The home we want is also a single detached... which means we're on the hook for everything exterior, where as if we were in a townhome, the entire envelope of the building is taken care of by the HOA. Although we WANT the detached, the benefits of not having to pay for envelope repair does sound nice, but that shouldn't be the only reason we'd want it.
The entire neighborhood looks amazing. I tried looking for older Lennar home locations, just to see how the neighborhoods faired with time, but the ones I saw (still only 3-4 years old) looked in great shape.
From what I can see- my only other options are really:
-Rent an apartment (which will cost just as much, we'd have less space (we have 2 kids and 3 dogs), rent would increase each year, and we're paying on something we do not own. Even getting an single bedroom apartment for just myself would be 1500+
-Rent out someone's house (Costs about just as much, paying on something we don't own, they too usually adopt the same pet policies as the apartments)
Any guidance or reviews from people living in the Smith Creek homes would be GREATLY appreciated. It's supposed to rain the next few days (surprise) so we plan on stopping by to walk through the house to see if we can't catch any leaks (The dry wall is up but the interior is completely unfinished)

Last summer my attorney revised my plan payment to cover $14,000 in arrears. I made a good faith payment toward the debt of $5k in September. My plan payment went from $800 to $1850 per month. In March, I asked my attorney what was owed on my payment plan because I was struggling to make the payments. He told me $18,000 was owed. My family gave me $8k to help me get my plan payment back down.
So, last month the attorney tells me my payment went down to $1600. When I questioned how $13,000 only dropped my payment by $250. He said the arrears were not included in the plan. I reminded him that he said I owed $18,000. He is now saying that I actually owe $22,000.
The math is not mathing for me. My bankruptcy will be discharged in March 2025. To date, I've made $46,000 in payments to my plan. I'm almost done and I am afraid I will have to refile because I didn't get a truthful answer.
Now, I get a notice that my mortgage company filed some notice that they didn't receive payments for April and May. I paid with cashier's checks and my bank confirmed all the cashier's checks have been reconciled for February, March, and April. May appears not to have been cashed yet. Am I crazy or is something off?

Hello - I filed for chapter 13 bankruptcy in 9/2016.
I believe an account with a credit union was over drawn at that time - may or may not of been included in the bankruptcy.
In 2019 that bankruptcy was discharged and most items were paid off, my mortgage was modified and have not missed a payment since.
Today - a collections account surfaced on credit karma - from that credit union - with 5 reported dates in 2019 being 90 days past due. It was it a credit card - there has been no communication or attempts to communicate since 2016.
The account has zero data except 5 red x’s for 2019 …. WTH?
What do I do ?
Still building credit and into the 650 and 670 range …
Crushed :(

Would this be considered bankruptcy fraud?
I am currently in the process of beginning ch.7 bankruptcy. After speaking with the attorney, they informed me that when it was all said and done, I would most likely have to give up my property tax return when that came in August, as well as my two inherited firearms from my deceased grandfather.
I'm wondering if there is a way to avoid having to give up either of these. I am not asset or cash rich, so those are really the only two things they could go after. Here's my thinking:
Property tax return: what if I just waited to file until I got it and spent it? I already live paycheck to paycheck, so it's not like I can't find somewhere for it to go that wouldn't be an easily explainable expense.
Firearms: these were gifted to me from my uncle who took them from my grandfather's estate after he passed away due to a falling out between my uncle and my grandmother. They were never registered in his name, and thusly were never actually registered in mine. What if I were to just return them to my uncle?
I certainly don't want to do anything illegal, but I also want to make sure that I don't have to give up anything that I can avoid giving up.

6 years and idk if I can give more. I found out he was infertile after 1 year of trying consistently. Has a genetic disorder zero chance of having children. It’s depressed us both. Stuck by his side as we agreed to use a donor and find another way. We tried twice IUI only because the job I had provided a benefit at the time to pay for it. But it failed. And I know it’s because I was under too much stress and not being healthy. I’ve stood by him as he went through drug & alcohol addictions/ plus the infertility diagnosis. All in hopes that it would pay off. I helped him get through rehab and financially supported us while he was gone and went to school. I pretty much funded our whole marriage and life in the beginning. I had a career. But once I switched to wfh it became too difficult and I went into a depression of my own. He convinced me that we needed to move as our area was too expensive and enabling to his addictions. My disability checks funded our move a first for both of us. It’s been 3 years now since I’ve seen my family, worked a job. I feel like I am just nothing. We had to file for bankruptcy due to all the credit & medical debt . Just starting to rebuild our credit and we are already in debt again. I try my best to manage the finances buts it’s hard because it’s all his money. He’s hopped around to jobs consistently. We move to a new apartment every year. But nothing new ever happens nothing seems to progress just a circle. He drinks all the time, even uses credit to hide it, I’ve struggled to find a job as he uses my car that I brought into the relationship for work. There’s no chance of getting a second vehicle any time soon. I’ve exhausted all my wfh opportunities. So I just sit 33, in a small apartment in a remote area, with my cats collecting dust. With a husband I can barely spend 5 minutes with before getting into a fuss. He likes to hide things. We make love maybe 1 time per month. He’s back to drinking all the time, complains he has to work all the time but refuses to try other things to get out of the situation. He prefers porn or to look at others, I don’t blame him. I’m gross now. He has gotten me maybe 3-4 gifts over the course of our marriage all completely random and on my credit lol. Ive become a shadow of my former self, I use to value my health so much. Now I just sit a smoke weed all day. I told him I’ve been struggling but he tells me to go smoke” , he hates weed ironically. I hate alcohol and sitting at home all day watching my self decline. Barely able to wash my hair weekly. I don’t care anymore I guess. And he doesn’t seem to notice. He seems more interested in making guy friends at work and trying to get his parents to give him money. While I just sit here. I keep thinking with the way the world is, I am too afraid to try and leave. I have literally no where to go. I only ever really had one friend I turned to for everything that actually cared enough to emotionally support me through things and that was my ex. Who was also my first love, I’ve thought about him always, I’ve struggled stopping myself from reaching out and honestly feel it will make me look desperate as I broke up with him. I’ve just been alone , I’ve sacrificed so much of myself that I’m lost and kinda numb to everything going on. My husband and I sorta rushed into marriage young and literally drunk. He introduced this toxic life that has led us here. I feel I will never have children. I have missed my chance because I was so young and blind. I had a man my ex offering me everything and more. But I had went through SA involving a family member and went through a dark phase. I know I need help. I’ve gone to many different doctors and therapies, I take a lot of meds now but nothing seems to work, even the weed is not working anymore. . My ex never left me to rot he actually cared about health as much as me. But I guess this is my karma. It’s just wild i never imagined to be at the very bottom again at this age, I’ve started over a lot it feels. I don’t feel like I have the energy to start over again. I’m exhausted

Yes, unused. Apparently there was a cache of the things, unboxed but never deployed, in some school's warehouse. There are still some on eBay if anyone wants to root around for them. The seller is a straight shooter, but the new-as-mint prices are a bit more than you'll find elsewhere on the site. The benefits are a 100% checked out device, with the most recent software and all new batteries, plus a power adapter.
I was led to Alphasmart by way of googlesurfing info on the Freewrite line, which has a price tag that puckers every orifice I own. Man, they are proud of those things. And it's not quite as unplugged as I'd like, as it seems to rely on WiFi to upload content to a third party site — which means I'd be at the mercy of the site owners if they (1) decided to start charging for storage; or (2) tanked, and deleted all files after the bankruptcy. And in any case, I'd have to use WiFi to transfer my scribblings.
My purpose for the Neo is to have a fast, light, reliable, and minimal-fuss device that I can do a lot of writing on, fast. Laptops are fine, but not always desirable. Tablets' onscreen keyboards are really grim. Two-device solutions (iPad with a keyboard case) are in the same cognitive category as a laptop. I just want a minimal-fuss keyboard and screen, which is precisely what the Neo is.
Overall impressions:
The Neo management software no longer functions on macOS, though I've discovered Alphasync, and that works well enough for faster file transfers. I wouldn't mind deleting the instructional applets from the Neo, though, if that would mean more free space available for text file storage.
Quirks I've found so far are about what I anticipated based on reading online fora (including this one) and a browse of the manuals. The single greatest letdown is that it can't talk directly to the Lightning port on an iPhone or iPad, as the Apple device complains that the Neo is "drawing too much power". Pfft. I've heard rumors that attaching it with an unpowered USB hub in between the Neo and the phone/pad works as effectively as using a powered one, but the point here is to be as close to additional-peripherals-free as possible.
Another quirk is that the Neo seems to use a different character subset from more-or-less standard ANSI. Em dashes and "smart" quotes translate well enough in an incoming file (dropped in by way of Alphasmart), and look right on the Neo screen, but when those files come back out of the Neo, those characters are replaced by oddly accented Os and Ns in the text file.
This isn't a deal-breaker. Text files generated on the Neo will not include em dashes or smart quotes; it lacks a way to generate them. Only files added to it from external sources are likely to have them. I can search/replace quotes and dashes on my own, in my sundry Mac desktop programs, and I'll only really need to do that with files made on the Neo, as part of edit-and-polish on a desktop system.
USB connection to the Mac works fine, which is not surprising; USB is a serial format, and serial communications protocols have been pretty consistent for … oh … since at least the 1960s, I think, so they're unlikely to change much, even if the port connectors do.
And it's that USB connection I like to watch when I'm sending a file. It looks very much like a movie effect where a flow of text appears rapidly on some actor's computer screen. Does take a while, though, even at maximum speed, which is why I was glad to find Alphasync.
I know there's a Git repository of the source for the Neo manager software, but alas, no one has compiled it into a 64-bit macOS application yet.
Plaudits:
I think what tickles me the most is the legitimate cleverness of these devices from an engineering perspective. They're little more than a keyboard with some RAM, with basic working additions such as a screen and batteries, and a rudimentary file system, likely resident on ROM.
And their method of sending files is bloody brilliant; it's slow, yes, but essentially the device is pretending to be a human-operated keyboard when it's sending, passing along the full record of every keystroke you made and saved in the text file, as though it's being typed in live.
There's so little that can go wrong here. It depends on no third-party hardware or drivers, relies on no external communications methods or devices, simply using the most fundamental comms protocol, common to all computers, to deliver its message.
Sometimes the most elegant solutions are the ones that leverage technology which has been around for at least fifty years, without any fuss or additional baggage.
AlphaSmart essentially built a portable typewriter with its own built-in supply of paper and ink, and gave it the ability to send work results to computer by the least complicated method available, and that's why these things are still in demand today.

Someone I know has got themselves into a massive debt trap which I don't think they can get out of under.
The person has no assets to his name, parents own a small house which they reside in. Person is a salaried individual but the amount of debt and it's interest will render him virtually unable to live off his salary alone. (Parents are old and sick, mother is a cancer survivor and now paralized. )
Lawyers of reddit, how easy or hard do you think it'll be file an individual bankruptcy for this John doe?

Throughout 2018 and 2019, Musk gave the impression that Tesla was going through tough times. They then raised $2.7 billion in May 2019 to fund "full-self driving".Once the money was raised, Musk wrote to employees saying the company will run out of money in 10 months.
In a later interview, he said that the carmaker was actually "about a month" from bankruptcy during the run-up in Model 3 production from mid-2017 to mid-2019. This means that before the raise in mid 2019, Tesla was one month away from bankruptcy.
However.
In the months, before the raise Musk was singing a very different tune.
In February 2019 he said:
"Meant to say annualized production rate at end of 2019 probably around 500k, ie 10k cars/week."
Obviously, this never happened and Tesla produced around 400k cars in 2019.
He said in April 2019:
“I feel very confident predicting autonomous robotaxis for Tesla next year,”
Never happened.
To top it all off, in April he bought $25m in Tesla stock. Completely not a stock pump attempt.
Lo and behold, he was able to raise money in May!
Magic!
To top it off, there is no mention anywhere in the Q1 2019 10Q that Tesla is very close to bankruptcy. Here are some of the 'concerns' listed:
We face risks associated with our global operations and expansion, including unfavorable regulatory, political, economic, tax and labor conditions, and with establishing ourselves in new markets, all of which could harm our business.
Or......
Servicing our indebtedness requires a significant amount of cash, and there is no guarantee that we will have sufficient cash flow from our business to pay our substantial indebtedness.
There is an even opportunity to warn against the insurance (gasp!):
Our insurance strategy may not be adequate to protect us from all business risks
But nowhere does it mention that they will literally run out of cash in one month!!!
Tesla's Cash Position Today
The eagle eyed users of this forum have observed that Tesla's cash balance is not all that it seems.
Tesla is said to have $25 billion.
But it pays suppliers late to pump its cash balances.
Its accounts payable is $14 billion.
Its accrued purchases is $2.6 billion.
That leaves around $8 billion.
Then there is cash for FSD, deposits and understated warranty reserve.
So we'll deduct another $2 billion.
Finally, there is the cash balances held in Yuan/Eur which are $3.47 billion.
I personally believe it is highly likely that a majority of this money is in yuan meaning it cant be taken out of the country. If they had this money, they would not need to layoff 20% staff, but I cannot prove it.
Whether the yuan balance is there or not, a company that is vertically integrated losing 2 billion in negative free cash flow per quarter needs cash wherever it can find it. Whether its there or not, things are still bad.
The Game Plan For Musk
Tesla is acting like a company in deep financial distress.That is because it is! It likely cannot survive the year without a raise. The pay package is partly about getting enough money to literally save the company.
But now we are witnessing a re-run of early 2019 stock pump, where Enron Musk is essentially able to lie about FSD to raise another round!
He proposed to launch robotaxis in China in his April visit where he was not actually invited.
He said in the Q1 call that Tesla is now going balls to the wall autonomy! WOAH! Balls to the wall!
Musk said he was not quite betting the company. I would say this is much more than betting the company though. For a company that has not progressed beyond level 2 FSD, when level 5 is 'full-self driving', this is more than betting the company.
This is fraud.
Now we see Musk is combining forces with trump. The game plan here is very obvious. Musk is creating an escape hatch where he can claim that the DOJ, 'went after him' for political reasons. All-in-all, its clear that if the DOJ do not charge him before he raises more money in August for the robotaxi announcement, he will have once again lied to escape bankruptcy.

I am in Ohio and filed for bankruptcy chapter 7. I’m coming up on 30 days past my discharge date of May 3. I have still not received any paper work for saying I am discharged. I routinely checked pacer for updates and it was never updated with my actual 341 meeting. It only has the updates for all the paper work submitted, the bankruptcy course completion and the day I filed.
I have already emailed my attorney and they have said we are just waiting for the court to issue the actual discharge. From the majority of posts I have come by I haven’t seen anyone take this long to get their actual case discharge and get the paper work.
I am just hoping on the 90 day mark, I see an update in pacer and can finally feel relieved it’s over. I can’t believe they’re this far behind with getting this discharged.
Has anyone had this long for their case to be discharged?
Edit: After further research, turns out I have a newly appointed judge for bankruptcy for my case, which could explain why this is taking so long.

In 2020, I started an online business that has grown from nothing to generating $1.6 million in revenue. Unfortunately, a series of unfortunate events have led me to take multiple MCA loans, totaling $380,000, to keep the business afloat. The most recent loan was taken in early April, and our sales have not improved since then. We are now considering filing for bankruptcy and the MCA loans have personal guarantees attached to them.
If we decide to file for Chapter 7 for the business and individual Chapter 7 bankruptcies for myself and my partner, would it be better to file before closing and dissolving the business, or should we shut down the business first and file for bankruptcy a few months later? The business has minimal assets, such as used pallet racks and a freezer, valued at around $8,000 or less in total.