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341 done, here is what happened

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    341 done, here is what happened

    There were three of us in my time slot, all chap 7. we were last to be called being prose. i had to take my kids, but they were really good.

    first guy went, had his wife with him, but he filed by himself. he was asked why he filed alone, why he filed bankruptcy, and he answered he couldn't make the payments, and the trustee responded, well i guess you shouldn't have opened all those accounts then.......he also asked him about his income and why it went down.

    he had a lawyer, and the lawyer forgot to file schedule J, so he was continued. conn's appliance showed and he claims he never had an accoutn with them.

    second guy, had a lawyer and this was his 2nd meeting. he filed last july. well, he was continued again, because his lawyer left out 2 schedules!

    we got up and he asked us all the basics, then asked why we filed, and i told him , primary earner loss of income. he said i would have to elaborate and made me list all my diagnosis', which there are alot. i broke into tears while saying this, because i didn't know i had to tell them what i had wrong with me.....the paralegal from the court was there, and very nice. on tape, she asked how i got the forms, and i told her, i got them from a workforce center here in town, and that is why they are completed by hand. she complimented me on how well i did on the forms and said nothing was missing at all. conn's was there for us as well, but they charged off our debt a while back and the property is still at our old house, we had no money to move it, so i don't knwo what happens with that. that was all they asked.

    i looked on pacer, and all it says is that a meeting was held, but nothing else....should i be worried?
    1/18/2008 Filed CH7DISCHARGED & CLOSED 4/30/08
    Orchard Bank Premier Cash Back $300 credit line 5/7/08

    #2
    Wow thats rough, "you shouldnt have opened all those accounts". Never heard of a trustee being so rough. I hope when my time comes I dont run into a trustee like that.
    pa308 (equifax fico 6-21 471) 594 on 3-09 671 7-09
    filed ch7 6-12
    341 7-25
    Discharged and closed 9-24

    Comment


      #3
      Dang - I'd hate to be in your district. That trustee sounds like an ass!
      Filed Chapter 7 Pro-Se May 29, 2008
      341 July 1, 2008
      Discharged September 4, 2008
      Closed November 10, 2008 :-)

      Comment


        #4
        funny thing is, he was nice to us, just made me list my diagnosis and the fact i was on chemo, and that is why my bills are so high. i didn't even know that was allowed......

        granted, my husband and i were the only ones not continued who had all the paperwork turned in....and complete.....i also got him the tax returns and bank statements in time, the other two still had not submitted them, and he requires them one week before the 341

        so, i dunno
        1/18/2008 Filed CH7DISCHARGED & CLOSED 4/30/08
        Orchard Bank Premier Cash Back $300 credit line 5/7/08

        Comment


          #5
          Sounds like you had a real a-hole trustee, even though he was less of an a-hole to you.

          Also sounds like TWO MORE BAD ATTORNEYS.... Man, it's just unbelievable to me how many bad attorneys there are out there! Bankruptcy is NOT that hard to do - they're just being sloppy and careless!

          Anyway, best of luck! And no, you don't need to worry about the Pacer posting. It may take awhile to post "no assets".

          I can't imagine that your diagnosis is important and frankly it seems improper for him to have asked, but what do I know?

          Anyway, Im sure it's going to be fine. Best of luck to you!
          <<I am NOT an attorney, my comments are anecdotal only. Contact an attorney for advice>>
          FINALLY DISCHARGED 92 DAYS AFTER THE 341! A NEW START!!!

          Comment


            #6
            Originally posted by PaKettle View Post
            Sounds like you had a real a-hole trustee, even though he was less of an a-hole to you.

            Also sounds like TWO MORE BAD ATTORNEYS.... Man, it's just unbelievable to me how many bad attorneys there are out there! Bankruptcy is NOT that hard to do - they're just being sloppy and careless!

            Anyway, best of luck! And no, you don't need to worry about the Pacer posting. It may take awhile to post "no assets".

            I can't imagine that your diagnosis is important and frankly it seems improper for him to have asked, but what do I know?

            Anyway, Im sure it's going to be fine. Best of luck to you!
            thx, yeah, i was really upset about having to list out my diagnosis(i have seven on record) he also asked how long since i worked and what i use to do.....which i worked in medical research and had started on my masters degree.....he seemed empathetic after that, because i couldn't have helped my situation....going from 70k a year to less than 1000 a month in social security and you husband only making 10.00 an hour is rough.......i hope he realizes we have lost everything.......and lets this just go thru........i can't handle much more stress, lmao
            1/18/2008 Filed CH7DISCHARGED & CLOSED 4/30/08
            Orchard Bank Premier Cash Back $300 credit line 5/7/08

            Comment

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