filed BK and credit report

[havetodecide]

Lawyer filed my case on 09/20 and since i use a credit monitoring service, yesterday i got an alert, pulled my credit report and saw that it is already showing that i filed BK, i thought it was pretty quick, is this normal?

Also, any idea when i should expect the 341 meeting?

Thanks

[Cassiopeia]

The 341 meeting is usually within 3-4 weeks of the filing.

[Boscoe]

yes, apparently the public bk record posts pretty quickly.

[cathywhite4495]

Mine was that fast as well. My credit scores also didn't drop nearly as much as I thought they would.

[Adchick]

My CH 7 showed up on all credit reports within a week of filing. Though my credit scores haven't gone anywhere.

My lawyer gave me my 341 info the day he filed. Have you signed up for Pacer yet?

[PaKettle]

It makes sense they would "alert the credit community" quickly after one files bankruptcy. That IS quick, though!

In a way, it's good, it means the information is getting out to all the creditors, and the creditors should stop hounding you soon (I know they're required to, but I have a feeling some of them don't get the notice as soon as they should).

I got my first call from a Collection Agent today and I'm sooo glad we are planning to file next week! The credit cards were not mean or nasty, but those collection agents are another breed altogether!

[PaKettle]

[edit]

My lawyer gave me my 341 info the day he filed. Have you signed up for Pacer yet?

Is that normal? I mean, is that info always available so soon, or does it just depend on one's district, etc.?

[seraph79]

My petition was filed on 9/20 also and the next day I checked my credit and the bankruptcy had already been reported to all 3 CRA's. Don't laugh, but my credit score was 380 2 weeks ago, but once the bankruptcy hit my score went up to 450. I don't understand how because I haven't opened any new accounts (like I could anyway with that horrendous score). Leave it to the folks that develop the FICO formula to allow it to do such weird things.

[tiredofdebt1]

Well Seraph...i have a question...did you start working on rebuilding your credit...like making sure everything stated IIB???? That's great....my credit score was a 550..then dropped to 510 last week....yesterday= 445....because i was told to stop paying on unsecured cc's..i wonder if mines will go up at all

[Adchick]

Is that normal? I mean, is that info always available so soon, or does it just depend on one's district, etc.?

I believe it's because we electronically filed. That option may not be available in all areas (yet).

[chpxiii]

Is that normal? I mean, is that info always available so soon, or does it just depend on one's district, etc.?

I think it depends on the district and whether they have their documents in digital format. I think it also depends on how fast they get their documents into digital format, if they are still on a paper based system.

[cathywhite4495]

I filed in person (pro se) and they gave me a letter with my trustee's name and the date of my 341 right then. I think I got another one in the mail a week or 2 after that.

[seraph79]

Well Seraph...i have a question...did you start working on rebuilding your credit...like making sure everything stated IIB???? That's great....my credit score was a 550..then dropped to 510 last week....yesterday= 445....because i was told to stop paying on unsecured cc's..i wonder if mines will go up at all

I'm not going to worry about cleaning up my credit reports at least until after my 341 meeting. I want all of the creditors to get the notification from the court about the bankruptcy rather than an investigation request from the CRA's.