Oh my, here comes the 341!

[confusedinVA]

Hello, Everyone! Well, our 341 is scheduled for tomorrow. I am so nervous and so excited at the same time. I wish that I would have had time to sit in on a couple of meetings before hand. I feel like I am prepared for it, thanks to this forum and also that I know what to expect, also thanks to this forum. But I am still so nervous. I think everything will go smooth because the trustee hasnt questioned or ask for anything further.

I guess I want to be babied or something. I am looking for some reassurance from you guys. Something to boost my confidence a little bit more. I kind of already feel like when I go into that meeting I will have a bunch of invisible people right beside me.

[confusedinVA]

I have actually thought of a question to for all of you.

I received a subpoena last week for a creditor. The amount is low and had decided that I would just pay after the case was closed. However, in reviewing the questions the trustee is going to ask I found out that he will be asking if we have listed all of our creditors on the schedules. What do I say? I had left this creditor off. Do I say yes or no?

Thanks in advance.

[9877donna]

You can send in an 'Amended' Matix of Creditors and add that creditor on that you left off.Even if you add that creditor onto your BK you can still pay them after the BK is discharged.
I don't think it's a good idea to intentionally leave a creditor out.
Maybe someone else can put in some more helpful info for you.

[9877donna]

You can send in an 'Amended' Matix of Creditors and add that creditor on that you left off.Even if you add that creditor onto your BK you can still pay them after the BK is discharged.
I don't think it's a good idea to intentionally leave a creditor out.
Maybe someone else can put in some more helpful info for you.

Sorry I posted a reply to the wrong thread....

[9877donna]

Sorry I posted a reply to the wrong thread....

Well whoops again.This was the right thread afterall....Sorry it's been a rough week!

[miss puff]

I have been thinking of you confused. And will be thinking of you TONS tommorrow. You DO have invisible friends right next to you. And when they call your name, feel my little hand squeeze of support. Please, please keep us posted. Mine is next monday and I am doing my best not to think about it. Good luck hun.

[confusedinVA]

Thanks so much MissPuff. I will post how things went tomorrow.

[ConnieS]

Thinking about you and sending all my positive thoughts and wishes VA. I am sure you will sail right through your 341 and be feeling a whole lot better about it tomorrow at this time. Then you can be there for me and MissPuff in a few weeks.

[saucey]

what is a amended matix of creditors?

[confusedinVA]

Morning Saucey, an amended matrix, is something you do when you leave off a creditor. You also have to amend whichever schedule applies.

Thanks guys for the well wishes at the meeting. I cant wait until it is over! It is only 6:30 and I have some many butterflies that it isnt funny. My husband and I both had such a hard time sleeping last night. I am shaking as I type this. I have no idea why I am so nervous. Maybe I've had to much coffee,lol.

[Interlaw]

I have actually thought of a question to for all of you.

I received a subpoena last week for a creditor. The amount is low and had decided that I would just pay after the case was closed. However, in reviewing the questions the trustee is going to ask I found out that he will be asking if we have listed all of our creditors on the schedules. What do I say? I had left this creditor off. Do I say yes or no?

Thanks in advance.

Unless you want to commit perjury, since the statements you make are under oath, you answer, "Yes," and amend your schedules to add this creditor. You are required to list *all* creditors in your case; you cannot pick and choose.



Justice consists not in being neutral between right and wrong, but in finding out the right and upholding it, wherever found, against the wrong. —Theodore Roosevelt

************************************************** ***************
The Small Print: This response is for discussion purposes only.
It isn't meant to be legal advice and you shouldn't treat it as
such. If you want legal advice, speak with a local lawyer
familiar with your state's laws who can review *all* of the
facts and the law applicable to your situation.
************************************************** ***************

[LostOne0069]

Unless you want to commit perjury, since the statements you make are under oath, you answer, "Yes," and amend your schedules to add this creditor. You are required to list *all* creditors in your case; you cannot pick and choose.

All creditors that you owe a balance on, right? For instance, we have a Victoria's Secret card with a 0 balance that we haven't used in over a year. Do we have to list this creditor too?

[Interlaw]

No. Someone you don't owe money to is not a creditor and does not have to be listed. Note that sometimes credit card companies will cancel a card with a zero balance after you file when they pull your credit report and see a bankruptcy.

Brett

************************************************** ***************
The Small Print: This response is for discussion purposes only.
It isn't meant to be legal advice and you shouldn't treat it as
such. If you want legal advice, speak with a local lawyer
familiar with your state's laws who can review *all* of the
facts and the law applicable to your situation.
************************************************** ***************

[razorguns]

No. Someone you don't owe money to is not a creditor and does not have to be listed. Note that sometimes credit card companies will cancel a card with a zero balance after you file when they pull your credit report and see a bankruptcy.

cancelling the card doesn't mean the debt becomes zero. You still owe them. A CC company will never mail you a letter saying 'we're cancelling your card, we give up, you owe us nothing'.

r

[anonymuse]

No. Someone you don't owe money to is not a creditor and does not have to be listed. Note that sometimes credit card companies will cancel a card with a zero balance after you file when they pull your credit report and see a bankruptcy.

Brett

Would you also agree that you should put on any cards that were charged off so that zombie debt collectors can't come back after you?