I had my 341 Meeting on 9/27. I was a Chap 7, No Asset, pretty simple and uncomplicated.
When I first arrived for the 1:30 call, they were running about an hour late. If you have your hearing in Kane County, forget about "hearing" other cases. The meetings are held in a private office. This was a great relief to me, it was crappy enough having to be there, let alone having strangers hear you. (And yeah, I know, we're all in the same boat.)
Looking about the holding tank, there were people from all walks of life. Everyone from a woman in nursing scrubs, to a guy wearing shorts and t-shirt. I had dressed business casual as advised by this forum....a below-the-knee dark denim skirt, simple heels, casual jacket/blazer and white blouse. The trustee was wearing dress pants and a button-down dress shirt, no tie. My lawyer was in a suit, as was almost all the attorneys there.
Having my lawyer there was like having a parent there to hold my hand. He went over the questions the Trustee was bound to ask. He advised me not to answer more than a simple "yes" or "no." He soothed my jangled nerves and was worth every cent I paid to him. (If you need an attorney reference, PM me. He rocked.)
By the time it was my turn, I felt a little bit like being led into the principal's office. My Trustee was curmudgeonly old, and looking at him made me wonder if he ever had a happy day in his life. He seemed bored and uninterested in my case. He asked the standard questions....the ones my attorney prepared me for....and by the end of it, he signed the paper and muttered "No asset report."
My advice to you, forum reader, is be sure you're prepared. Over-prepare if you have to. Have that Social Security Card and ID card ready in your hand. My trustee seemed pleasantly surprised that I gave it to him before he even asked. Points for me, eh.
My attorney was shocked he didn't ask me for pay stubs, or even about my car. But let me tell you, I had all of that information ready in a folder on my lap. Do your homework! Because there was a woman there that the Trustee did ask for her pay stubs and her lawyer dropped the ball and did not have them. She had mailed them to him weeks ago and his para-legal screwed it. (I heard her in the lobby giving that attorney the butt reaming of his life.) Even though I had given my attorney pay stubs, I made sure to bring copies just in case.
If you're trying to hide something, you're gonna get busted. If not, the 341 meeting is easy. Mine was simple....stupidly simple.
So now, I wait my 60 days and live by these three words... "Cash is king."
Good luck to you!
--H
When I first arrived for the 1:30 call, they were running about an hour late. If you have your hearing in Kane County, forget about "hearing" other cases. The meetings are held in a private office. This was a great relief to me, it was crappy enough having to be there, let alone having strangers hear you. (And yeah, I know, we're all in the same boat.)
Looking about the holding tank, there were people from all walks of life. Everyone from a woman in nursing scrubs, to a guy wearing shorts and t-shirt. I had dressed business casual as advised by this forum....a below-the-knee dark denim skirt, simple heels, casual jacket/blazer and white blouse. The trustee was wearing dress pants and a button-down dress shirt, no tie. My lawyer was in a suit, as was almost all the attorneys there.
Having my lawyer there was like having a parent there to hold my hand. He went over the questions the Trustee was bound to ask. He advised me not to answer more than a simple "yes" or "no." He soothed my jangled nerves and was worth every cent I paid to him. (If you need an attorney reference, PM me. He rocked.)
By the time it was my turn, I felt a little bit like being led into the principal's office. My Trustee was curmudgeonly old, and looking at him made me wonder if he ever had a happy day in his life. He seemed bored and uninterested in my case. He asked the standard questions....the ones my attorney prepared me for....and by the end of it, he signed the paper and muttered "No asset report."
My advice to you, forum reader, is be sure you're prepared. Over-prepare if you have to. Have that Social Security Card and ID card ready in your hand. My trustee seemed pleasantly surprised that I gave it to him before he even asked. Points for me, eh.
My attorney was shocked he didn't ask me for pay stubs, or even about my car. But let me tell you, I had all of that information ready in a folder on my lap. Do your homework! Because there was a woman there that the Trustee did ask for her pay stubs and her lawyer dropped the ball and did not have them. She had mailed them to him weeks ago and his para-legal screwed it. (I heard her in the lobby giving that attorney the butt reaming of his life.) Even though I had given my attorney pay stubs, I made sure to bring copies just in case.
If you're trying to hide something, you're gonna get busted. If not, the 341 meeting is easy. Mine was simple....stupidly simple.
So now, I wait my 60 days and live by these three words... "Cash is king."
Good luck to you!
--H
- Report of No Distribution 
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