I know everyone here says not to stress about it, but I couldn't help it! I dreamed about it last night, and this morning when the alarm went off, dh and I just sort of laid there in bed, not saying anything, not moving, not really wanting to face the day. 
Our atty called to go over last minute instructions and to tell us where to meet him, and we got ourselves moving. It was super-cold in downtown Detroit this a.m. ... the wind was just whipping down the corridors between the buildings. We met our atty in the building's little cafe and signed reaffirmation paperwork for our cars and a personal loan tied to them for our credit union before going up to the hearing.
We entered a room filled to the brim with people. That was just the anteroom. There were a bunch of little conference rooms that branched off from it. Our atty found ours and the 3 of us went in. There was a meeting in progress and the room was pretty full.
At the first full meeting we watched, the gentleman had previously declared bk (in fact several of the people prior to us were repeat bk'ers) and the trustee really grilled him. I was sitting there in the front row, a few feet from them, listening, feeling like I was going to throw up. The trustee finally dismissed him, and the ones that followed weren't quite as tough. Each lasted 3-5 minutes as expected. For most of them, the lawyers had to explain missing info or other discrepancies.
When it was finally our turn, there was only one other couple left in the room. He asked us standard questions and then a few about our timeshare and my dh's two dba businesses, as we expected. He almost seemed kind when speaking with us (maybe I looked as pathetic as I felt? LOL). Then he said we were done. Our lawyer only spoke to give his name; there was nothing missing or nothing that needed to be explained, so we were pleased about that. We left and he told us it couldn't have gone any better, and he expects no issues leading up to discharge.
I know my voice cracked once or twice when I was answering questions, and when we left the room my dh asked me if I was okay. I think if our atty hadn't been there, I probably would've burst into tears, just from the stress of being in the position to have to file, and the meeting, and even relief from it being over.
So, that's my long-winded, overly-emotional retelling of our 341 experience. I hope it helps someone as they prepare for theirs!
Our atty called to go over last minute instructions and to tell us where to meet him, and we got ourselves moving. It was super-cold in downtown Detroit this a.m. ... the wind was just whipping down the corridors between the buildings. We met our atty in the building's little cafe and signed reaffirmation paperwork for our cars and a personal loan tied to them for our credit union before going up to the hearing.
We entered a room filled to the brim with people. That was just the anteroom. There were a bunch of little conference rooms that branched off from it. Our atty found ours and the 3 of us went in. There was a meeting in progress and the room was pretty full.
At the first full meeting we watched, the gentleman had previously declared bk (in fact several of the people prior to us were repeat bk'ers) and the trustee really grilled him. I was sitting there in the front row, a few feet from them, listening, feeling like I was going to throw up. The trustee finally dismissed him, and the ones that followed weren't quite as tough. Each lasted 3-5 minutes as expected. For most of them, the lawyers had to explain missing info or other discrepancies.
When it was finally our turn, there was only one other couple left in the room. He asked us standard questions and then a few about our timeshare and my dh's two dba businesses, as we expected. He almost seemed kind when speaking with us (maybe I looked as pathetic as I felt? LOL). Then he said we were done. Our lawyer only spoke to give his name; there was nothing missing or nothing that needed to be explained, so we were pleased about that. We left and he told us it couldn't have gone any better, and he expects no issues leading up to discharge.
I know my voice cracked once or twice when I was answering questions, and when we left the room my dh asked me if I was okay. I think if our atty hadn't been there, I probably would've burst into tears, just from the stress of being in the position to have to file, and the meeting, and even relief from it being over.
So, that's my long-winded, overly-emotional retelling of our 341 experience. I hope it helps someone as they prepare for theirs!
Waiting for February 14 2011, date objections due. 
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