Hello Everyone,
Thanks to everyone who has posted about what to expect for the 341 meetings. I arrived early to mine as was suggested, but was completely terrified going in - I was the only Pro-Se filer there in the morning. Had to fill out a questionnaire that the trustee had everyone fill out and sign. I had to wait for 3 people ahead of me, and got skipped when it was my turn because some attorney walked right up to the trustee and started gabbing about his clients. So since they were already talking about them, the trustee called them up ahead of me. By the time they were done about 25 minutes later, I finally got called up, and by that time the entire room had filled up. I was quite nervous because this couple ahead of me took a long time, and he seemed to ask a lot of questions of them (they did have a creditor show up, though).
The trustee asked if I had any help in filing my bk since I filed pro se, and then asked how I knew which forms to file and how I knew the process. My hubby was super helpful through the entire process and even prepared a notebook for me with tabbed dividers in case I needed to refer to any of the paperwork I had turned in up to this point. I answered that I had done a lot of research since I could not afford an attorney. He was satisfied with that. He went on to ask a number of other questions such as, "is this your signature on these documents?", and others like the "Sticky" posts about "what the Trustee will ask" here on this forum. (Thanks so much for all the posts on what questions to expect- that was so helpful!). After all of that, he ended in a few minutes with "I'm satisfied that this meeting can be closed." It took all of about 7 minutes, I think. I felt like "jello" afterwards since I was pretty stressed beforehand thinking he'd just rip me apart in front of everyone. I felt he was very respectful.
Does this mean I'm a "no-asset chapter 7"? And am I now in the 60 day club too? I'm a bit hesitant to celebrate too much, though, hoping that there are not any unexpected surprises. I know I need to now get the bk course (part 2) done, and finish up my vehicle reaffirmation documents. Oh, and does this also mean that I'm through with the Trustee, or does he also have (now 59) days to file objections?
Thanks again, and esp to justbroke and AC and VY for all your help and support.
Thanks to everyone who has posted about what to expect for the 341 meetings. I arrived early to mine as was suggested, but was completely terrified going in - I was the only Pro-Se filer there in the morning. Had to fill out a questionnaire that the trustee had everyone fill out and sign. I had to wait for 3 people ahead of me, and got skipped when it was my turn because some attorney walked right up to the trustee and started gabbing about his clients. So since they were already talking about them, the trustee called them up ahead of me. By the time they were done about 25 minutes later, I finally got called up, and by that time the entire room had filled up. I was quite nervous because this couple ahead of me took a long time, and he seemed to ask a lot of questions of them (they did have a creditor show up, though).
The trustee asked if I had any help in filing my bk since I filed pro se, and then asked how I knew which forms to file and how I knew the process. My hubby was super helpful through the entire process and even prepared a notebook for me with tabbed dividers in case I needed to refer to any of the paperwork I had turned in up to this point. I answered that I had done a lot of research since I could not afford an attorney. He was satisfied with that. He went on to ask a number of other questions such as, "is this your signature on these documents?", and others like the "Sticky" posts about "what the Trustee will ask" here on this forum. (Thanks so much for all the posts on what questions to expect- that was so helpful!). After all of that, he ended in a few minutes with "I'm satisfied that this meeting can be closed." It took all of about 7 minutes, I think. I felt like "jello" afterwards since I was pretty stressed beforehand thinking he'd just rip me apart in front of everyone. I felt he was very respectful.
Does this mean I'm a "no-asset chapter 7"? And am I now in the 60 day club too? I'm a bit hesitant to celebrate too much, though, hoping that there are not any unexpected surprises. I know I need to now get the bk course (part 2) done, and finish up my vehicle reaffirmation documents. Oh, and does this also mean that I'm through with the Trustee, or does he also have (now 59) days to file objections?
Thanks again, and esp to justbroke and AC and VY for all your help and support.
Bankruptcy Wizard
Congratulations! I cannot add to JB's advice about all the things he said to check. He is our premier pro se filer.
Comment