Finally filed today

[taps67]

OK everybody out there who felt relief after filing, Why? How?
I think I am more sick than ever, felt like I was gonna throw up since I left the lawyer's office this morning.
Our 341 isn't until 8/15 {ugh} don't know if I can stand to wait that long.
Apparently we got a good, nice trustee, we got the only woman trustee in our district.
When do most of you start looking at pacer?



filed chapter 7 6/16/08
341 8/15/08
discharge 10/16/08
{wow , it does feel kinda good to have actual dates to put down}

[momof5]

That is a long wait till your 341 and is probably why your not feeling that sense of relief. Your thinking about the next 2 months now. Is there a reason as to why its 2 months out? On the other hand, I had 3 weeks between filing and my 341. Its next week and I just feel like it all happened so fast.

The good news is that at least your filed and you can relax a little. Creditors shouldnt be bothering you any longer. You have a nice Trustee to look forward to as well. Alot of us have no idea what to expect so thats a positive on your end.

Hang in there!! and CONGRATULATIONS on your filing!!! Step 1 is over....

[bal_ny]

For me, the relief is due to the end of collection calls.

My home phone was ringing upwards of 50 times per day and even though I let the machine pick up, the fear was there that they'd try contacting family and neighbors because they couldn't reach me. I was also averaging a few calls at work per week... not a lot, but taking ANY collection calls in my shared office - and knowing that the person who transferred the call to me knew what was going on - was mortifying.

I started checking Pacer for my court date on the day I signed the papers. Now that I know I'm really filed and have that date, I'll check it once a week for updates.


Good luck to you, and I hope the next two months go quickly for you. Hang in there!

[itcaughtup]

I guess it's like dealing with any other stress / tragedy, etc.. a day at a time, i filed on 5/1 and next thing i knew it was time for my 341. The upside is you should start to see a little improvement in your cash flow right from the start. Congratulations on step one, the rest will fall into place for you, ask here for anything, many, many extremely knowledgeable people here..

[southernbelle]

I was relieved because I didn't have to be worried about being hounded by collectors any longer, I didn't have to be scared to check my mailbox and I was finally attempting to resolve my problems. The stress of not filing was worse than actually signing the paperwork.

When I finally signed, I wanted to run to my car and scream with joy. Now I just want the last 20 days to go by so that I can be discharged. One step at a time.

[oldrocker]

I filed Monday also, do I feel relieved...damn skippy I do. For the last two and a half months bk has been my life for every stinkin minute, I would wake up thinking about means test, scedule this scedule that. Think I & J are something to fret about? I had to also do expense/income scedules for my business. I had to worry not only about paying my lawyer but also scraping up enough money to cod my store vendors prior to filing so I wouldn't have to file on anyone related to the store.
It's done now, it's out of my hands from this point on. If something comes up I'll deal with it then. It's time to go back to living my life. My wife is taking vacation this week, I'm taking the last of the week off. Thursday morning we're hooking the boat up to the truck, headin to the coast (my parents live there so no expense except gas) and we're going fishing. From this point on it is what it is, it will be what it will be and I'm sick and freakin tired of worring about it!

[Stilltheone]

When I filed, I did feel relief because A. I could answer the phone and tell my creditors to take a flying leap, B. I was starting my journey to end this debt nightmare.

My 341 was also 2 months after filing and it was actually better that way. I didn't spend my time in between worrying about it. It was so far out, that I almost forgot about it.

Congrats on filing and starting this new debt free journey!

[starting_over]

I know what you mean ... all the other posts about feeling relieved when they filed, I did not relate to. I'm nervous too b'c I don't know what happens next, what to expect, what will / won't happen ... etc. etc. I'm filing w/out a lawyer & am just nervous about not knowing something I should know etc.

How to handle things like ... got a bonus, it's after filing but before 341, ... worried about every possible thing that might go wrong, things I might miss, mistakes I might have made on paperwork ... not sure ... all I can say is try to stay positive & hopefully things will go well.

I even try not to look at this forum too much b'c then I'm thinking about the bankruptcy & I should be focusing on things that are good ... rather than worrying myself too much. So, when I have a question I look here, but I try not to obsess & spend too much time here, reading about all the possible things that could go wrong. I'm trying to find a balance ... find answers I need here & not focus too much time on things that can go wrong. Use this forum to be educated, ask questions & get prepared ... then ...take a deep breath & tell yourself ... "I am doing the best I can".

[Debster222]

I know what you mean ... all the other posts about feeling relieved when they filed, I did not relate to. I'm nervous too b'c I don't know what happens next, what to expect, what will / won't happen ... etc. etc. I'm filing w/out a lawyer & am just nervous about not knowing something I should know etc.

How to handle things like ... got a bonus, it's after filing but before 341, ... worried about every possible thing that might go wrong, things I might miss, mistakes I might have made on paperwork ... not sure ... all I can say is try to stay positive & hopefully things will go well.

I even try not to look at this forum too much b'c then I'm thinking about the bankruptcy & I should be focusing on things that are good ... rather than worrying myself too much. So, when I have a question I look here, but I try not to obsess & spend too much time here, reading about all the possible things that could go wrong. I'm trying to find a balance ... find answers I need here & not focus too much time on things that can go wrong. Use this forum to be educated, ask questions & get prepared ... then ...take a deep breath & tell yourself ... "I am doing the best I can".

Oh my gosh, you sound just like me. I am relieved to a degree now that I've filed, but I'm still wondering if I made mistakes on my forms and if I did, will it be grounds to throw me out altogether. OY!

[catdance23]

I feel the same way. I don't think I'll be relieved until the whole thing is over. Right now I'm obsessing about the 341 meeting and worried about what might go wrong. Although as my husband would say I always find something to worry about.

[Debster222]

I feel the same way. I don't think I'll be relieved until the whole thing is over. Right now I'm obsessing about the 341 meeting and worried about what might go wrong. Although as my husband would say I always find something to worry about.

I think all of us obsess a little bit over it. It's probably normal, even for those who used an attorney. It's just another aspect of the whole debt thing and another good reason never to touch a credit card again!

[catdance23]

Amen to that. I will never get myself into this mess again.

[Debster222]

Amen to that. I will never get myself into this mess again.

We can't blame ourselves entirely, though. The financial system in this country encourages debt. Your FICO score is based on your borrowing habits. If you haven't gone into debt, ever, you have no FICO score and are denied credit. I understand that creditors need something to base your credit worthiness on, and this is probably the only way they can until someone comes up with another way.

You've probably heard people say that you can't rent a hotel or a car without a credit card, but that's not true. There are hotels and car rental companies that will take a debit card. They tell you that you may be double charged temporarily if you use one, but you can use it.

I have to laugh when the collectors say, "This could seriously affect your credit rating". We've been conditioned to pucker up at the thought that our CREDIT RATING my be affected. We need to change our way of thinking about this.

[Cali]

I didn't let any of this get to me. My health is way more important than filing BK.

You have completed step 1, which gets you closer to your end result. Congrats!