Finished the 341 in less than 5 minutes

[Pizza]

The meeting was this morning.

We were sworn in (raise right hand, no Bible or anything like that).

We had our SS cards and drivers licenses, which were checked for accuracy.

We were asked if we still lived at our address. After that, the TT started the recorder and our meeting commenced.

Questions:

• Did you provide the information to the attorney?
• Is the information correct? Would you like to make any changes? We made one change that was immaterial to the overall BK.
• Do you own or rent?
• Why did you file for bankruptcy? We made a brief statement about unemployment, no emergency fund, and our unexpected catastrophies.
• Are you aware that you will have to complete the debtor's education course?
• Do you plan to retain or surrender your property? The Northern District of Texas, supposedly, does not formally allow the ride-through option, but nonetheless, we checked 'retain and pay' and were only asked about retaining it.
• Are you expecting to receive any inheritances? Any pending lawsuits?
• Anything else to add? (this was asked of my attorney)

That's it. We were done in probably 3 minutes or less.
We were not asked if we expected any changes in income or had any job offers.
We were not asked why our unsecured debt was high.
We were not asked anything specific about our debts.
We were not asked anything specific about our property (all exempted).
We were not asked when we considered filing or sought an attorney.

We answered all questions honestly and there were no surprises. No creditors at all (and we had a lot of creditors).

[justbroke]

Welcome to Club Sixty!

[Pizza]

Thank you! We are, of course, looking forward to our discharge.

[AngelinaCat]

Congratulations!

[pamkev]

Welcome to your fresh start

[Pizza]

Thank you!

I realize we aren't out of the woods yet, but the trustee didn't ask for any additional paperwork and concluded the meeting.

[keepsmiling]

I hope you enjoyed the loaded pizza and beer as much as I did.
<urp>

[keepsmiling]

I hope you enjoyed the loaded pizza and beer as much as I did.
<urp>

[TXskyblue]

Congratulations on your successful 341.

If I had to pick just one thing I learned on these forums about the 341 that helped me, it was that the "Why are you filing bankruptcy" question is one to have an answer for. That one would have really thrown me for a loop if I had been surprised by it. Where to start, you know?

[Pizza]

Thanks keepsmiling.

Congratulations on your successful 341.

If I had to pick just one thing I learned on these forums about the 341 that helped me, it was that the "Why are you filing bankruptcy" question is one to have an answer for. That one would have really thrown me for a loop if I had been surprised by it. Where to start, you know?

Thank you.

That question as I understand it is meant to document a particular event, or a series of particular events, leading up to bankruptcy. If the months leading up to filing were really a non-event, it could posit reckless spending and possible abuse of credit.

[AngelinaCat]

Congratulations on your successful 341.

If I had to pick just one thing I learned on these forums about the 341 that helped me, it was that the "Why are you filing bankruptcy" question is one to have an answer for. That one would have really thrown me for a loop if I had been surprised by it. Where to start, you know?

I don't remember being asked that at our 341. It is possible that we were, and I just don't remember it. Of course that has been five years ago.... I do remember some of the questions specific to our case that we were asked about.

[Pizza]

I don't remember being asked that at our 341. It is possible that we were, and I just don't remember it. Of course that has been five years ago.... I do remember some of the questions specific to our case that we were asked about.

Is it possible that the amount of credit card debt may determine if that question is asked? Our credit card debt, though joint, was quite high.