Update to my Case--Informative

[boochase]

I have been very pleased with my attorney. She has been very thorough. First, she had me delay my filing by seven months to gain some advantages with handling my assets. Lesson one: Do not be in a hurry to file. Only file quickly if you have been served with lawsuits. I did not pay three credit cards for over six months. Two of them with the same company. This company never called to collect. As a matter of fact, my account is still open. The other credit card, the company and its collection department, call every day--different numbers, etc. but no lawsuit filed. So be patient. Lesson two: stay on top of every document requested by your attorney. My attorney requested necessary documents that I hadn't even thought of. Also, updated documents (like bank accounts) will be required up to the point of filing. Lesson three: my attorney knows the trustee well, so she is optimally prepared. Lesson four: In Florida, tenants by the entirety is recognized even if the assets isn't titled such. My wife and I have joint accounts titled Joint Tenancy with rights of survivorship, but they were accepted as Tenants in the entirety. This was important, for I was the only one filing. So, only half of our assets were considered. Lastly, will only have to attend the 341 meeting (no court appearances, etc). The attorney stated that the appearance will last 5-10 minutes. Lastly, my payment plan is optimal. All debt I intend to pay is outside the Plan, so only my credit cards were included. And by carefully planning when to file, my monthly payments, for 36 months, are very low.