Hi Everyone.. I feel so relieved. So I had to make a post to help anyone else out there who had the same stress/anxiety about the 341 meeting.
I filed Pro Se on my own in February. I have 1 asset a old camaro that is exempt. I have no job, and my debt accumulated $13,000. I filled out the bankruptcy petition and everything all on my own. Here's how my 341 meeting went.
I walked in the room expected a little more formal setting. However, there was about 20 people sitting in chairs, and then in another room off of this room, was where the trustee held his meetings with the debtors. I was so glad to see that, because after reading people's post on here, I thought that you are in front of everyone when your at your meeting, and I would be embarresed about that. My appointment was for 1:30. People getting called in the room were probably in there for 5 minutes each. Finally at 2:15, my name was called.
I came in, sat down. He had me show him my I.D. and social security card. He had me sworn in by raising my right hand. He then asked me to state my name and address. He then quickly flipped through my bankruptcy petition and schedrules. He then asked these questions :
1. Have you given any of your credit cards more $500 or more in the past 90 days.
2. Did I own any real estate.
3. Have I ever been divorced.
4. Am I able to sue anybody to gain anything financially.
5. Do I have a job.
6. What is my car worth.
I answered no to all of these questions.
He then said, I find this to be a no asset case, you are free to go, and good luck! He wasn't mean or friendly, just a typical lawyer attitude.
I was in there for 3 minutes max. I feel so happy, I was so nervous about this meeting. I brought a ton of things with, my bank statements, my bills, my car title, my kelley blue book car value, My past and present tax returns, and a couple of other things. The only items he asked for was my State ID and social security card.
If anyone has any more questions for me, please feel free to ask..I feel really at ease now and am excited about starting over, and doing it RIGHT this time. I was never taught about credit cards, debt, interest rates, over limit fees or just the simple fact that if you can't pay for it with cash, you can't pay for it at all!!!! My life was a mess at 23. I was addicted to shopping. It was all credit card debt. I was actually having anxiety and panic attacks wondering how I am going to pay my bills. I always felt sick.It sounds so stupid but now I am having a hard time dealing with the fact that I can't buy anything. I used to go to the store or mall whenever I wanted. I can't even remember what I bought on my credit cards, I have nothing to show for it. I hope I can clean up my credit and I am getting ready for a new life of no stress!!!
*Oh yeah, and my boyfriend said he wouldn't marry me until I was debt free...Hmmm..Hopefully he will pop the question after 7 years now!!!
I filed Pro Se on my own in February. I have 1 asset a old camaro that is exempt. I have no job, and my debt accumulated $13,000. I filled out the bankruptcy petition and everything all on my own. Here's how my 341 meeting went.
I walked in the room expected a little more formal setting. However, there was about 20 people sitting in chairs, and then in another room off of this room, was where the trustee held his meetings with the debtors. I was so glad to see that, because after reading people's post on here, I thought that you are in front of everyone when your at your meeting, and I would be embarresed about that. My appointment was for 1:30. People getting called in the room were probably in there for 5 minutes each. Finally at 2:15, my name was called.
I came in, sat down. He had me show him my I.D. and social security card. He had me sworn in by raising my right hand. He then asked me to state my name and address. He then quickly flipped through my bankruptcy petition and schedrules. He then asked these questions :
1. Have you given any of your credit cards more $500 or more in the past 90 days.
2. Did I own any real estate.
3. Have I ever been divorced.
4. Am I able to sue anybody to gain anything financially.
5. Do I have a job.
6. What is my car worth.
I answered no to all of these questions.
He then said, I find this to be a no asset case, you are free to go, and good luck! He wasn't mean or friendly, just a typical lawyer attitude.
I was in there for 3 minutes max. I feel so happy, I was so nervous about this meeting. I brought a ton of things with, my bank statements, my bills, my car title, my kelley blue book car value, My past and present tax returns, and a couple of other things. The only items he asked for was my State ID and social security card.
If anyone has any more questions for me, please feel free to ask..I feel really at ease now and am excited about starting over, and doing it RIGHT this time. I was never taught about credit cards, debt, interest rates, over limit fees or just the simple fact that if you can't pay for it with cash, you can't pay for it at all!!!! My life was a mess at 23. I was addicted to shopping. It was all credit card debt. I was actually having anxiety and panic attacks wondering how I am going to pay my bills. I always felt sick.It sounds so stupid but now I am having a hard time dealing with the fact that I can't buy anything. I used to go to the store or mall whenever I wanted. I can't even remember what I bought on my credit cards, I have nothing to show for it. I hope I can clean up my credit and I am getting ready for a new life of no stress!!!
*Oh yeah, and my boyfriend said he wouldn't marry me until I was debt free...Hmmm..Hopefully he will pop the question after 7 years now!!!
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