Scared and Sad!!

[dmc-2008]

I didn't go in front of the judge my atty went alone.

[Mik3]

Hi Mike,

When me and my husband went in for our creditor meeting there were a few people ahead of us. Since we were all in the same room we got to listen in when it was their turn. I do not know technically how low the plan payments can go. We were all asked if we would be able to pay our $xyz payment each month by the judge. One gentleman had an $86/mo payment and another had a $73/month payment. I almost envied them but then realized of course that that was their disposable income and my heart just about broke in half.

Huh, odd that they allowed everyone to listen to the other cases; kind of cruel. With the HIPPA laws you can't even get access to your own records without a sign-off, but you can witness the financial rune, and probably one of the most humiliating moments of most peoples life.

However, very interesting that the they base the plan installment on your means, seemingly without a low limit threshold to qualify for the benefit of a ch. 13. Is sad though that it can be as bad to only be able to afford such a low amount. I guess almost equally sad as your discretionary income being 1500.00 and they take that

Mike

[jange]

I think it depends on the state and trustee, whether or not the 341 meetings are done in public or private. In my district each meeting was done in a private office. The waiting area was public. You did not hear anyone business. I have read here that many are in in group settings. I assume the confirmation hearing is in public in the courtroom, but we were not required to attend nor did we.