14 months ago we filed for Chap 7 bankruptcy in Florida pro se. It was discharged about 3-4 months after filing, but a couple of months after that the trustee sent us a letter stating we owed over $8,000 in overages on our assets that must be paid in full within 45 days. Well, if we had that kind of money, we wouldn't have had to file for bankruptcy or at the least, been able to hire an attorney! I politely questioned their method of calculation (there was no explanation other than we had an overage on assets).