We had ours the other day and it went by smoothly. (Ch 13) The Trustee only asked us a few basic questions and was very professional and courteous. Ours was a breeze BUT most of the cases before us had some kind of issue. It was very interesting!
The one that sticks out the most is one couple (the least nervous in the room, all giggly and and talkative during the proceedings) had the most issues. They were trying to go for a 36 month, and 1-2 months prior to filing, they maxed out their 401K with-holdings, were paying $1500 for daycare (to her mom). The Trustee was not very happy with them and sent them back to the drawing board after telling them they can afford to pay much more and for longer.
Another case was not recommended for approval because Trustee said that it was a 7 disguised as a 13 and he was tired of dealing with 7s.
Btw, there were no creditors in the room for any of the cases that day. Quite a few people were wearing jeans, tank tops and flip flops, too. We dressed business casual. Even being in CA, I don't think it's appropriate to wear flip flops and tank tops in a courtroom.
The one that sticks out the most is one couple (the least nervous in the room, all giggly and and talkative during the proceedings) had the most issues. They were trying to go for a 36 month, and 1-2 months prior to filing, they maxed out their 401K with-holdings, were paying $1500 for daycare (to her mom). The Trustee was not very happy with them and sent them back to the drawing board after telling them they can afford to pay much more and for longer.
Another case was not recommended for approval because Trustee said that it was a 7 disguised as a 13 and he was tired of dealing with 7s.
Btw, there were no creditors in the room for any of the cases that day. Quite a few people were wearing jeans, tank tops and flip flops, too. We dressed business casual. Even being in CA, I don't think it's appropriate to wear flip flops and tank tops in a courtroom.
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