Ready to Go and Scared to Death!

[Debster222]

Well, I just finished crossing the T's and dotting the I's of my pro-se chapter 7 petition and I'm going down in the morning to file.

I am pretty sure that I filled everything out correctly, but if I did miss something, what are the chances that my case will be thrown out? I mean, how picky are they? I read a few posts where people were talking about petitions done by attorneys that weren't prepared very well. I've done a lot of work on this and tried to make sure everything is correct and complete, but I'm scared to death that I may have missed something.

[soleprop]

if you missed something like a creditor or their address, you can amend for $26 or something like that....

if you missed something like you're hiding a big asset, you might have trouble. you'll probably do fine - but keep us posted!!!

there's never enough detail for us Pro Se filers - we want to know *everything*

[Debster222]

if you missed something like a creditor or their address, you can amend for $26 or something like that....

if you missed something like you're hiding a big asset, you might have trouble. you'll probably do fine - but keep us posted!!!

there's never enough detail for us Pro Se filers - we want to know *everything*

OH NO, I didn't hide anything. I put down everything that I could think of. I just don't want a typo or something like that to mess me up! I supposed I'm being freaky about this, but this is my financial life we're talking about.

Thank you!!

[Priceless ProSe]

Im sure youll be ok. One thing that got me when I filed was addresses. If I had it to do over agian I would have called each and every creditor and asked for thier "correspondence" address. I used old bills, or anything else I could find for addresses and as a result I got about 4 "undeliverable" notices sent back to my house. In california they charge the 26 bucks you even if you only want to update, as opposed to adding new creditors (which aslo costs 26 of course). I wouldnt have worried about updating the addresses except they were for lawyers/collection agencies which held a judgement. The reason I wouldnt have worried about it if it was capitol one (for example) is that even if they did not recieve notice the debt would be discharged in a "no asset" case like my own. Anyways dont sweat it, just start getting a folder together for court in case the trustee asks for anything at your 341.

Oh, almost forgot, when I went to file I got there early (30 min) as did many others. I think the line is longest if you show up right when they open, I would reccomend going an hour after they open if your schedule allows. I waited in line for an hour and when I got to the front of the line they informed me they only take money orders from the US post office. So I had to drive to the bank to cash the money order and stand in line again. They do accept cashiers checks, USPS money orders, and cash. They do not accept personal checks or credit cards in the debtors name. Also, the cashier we had did not have change for the people that brought 3 one hundred dollar bills to pay the 299 fee.

[Debster222]

Im sure youll be ok. One thing that got me when I filed was addresses. If I had it to do over agian I would have called each and every creditor and asked for thier "correspondence" address. I used old bills, or anything else I could find for addresses and as a result I got about 4 "undeliverable" notices sent back to my house. In california they charge the 26 bucks you even if you only want to update, as opposed to adding new creditors (which aslo costs 26 of course). I wouldnt have worried about updating the addresses except they were for lawyers/collection agencies which held a judgement. The reason I wouldnt have worried about it if it was capitol one (for example) is that even if they did not recieve notice the debt would be discharged in a "no asset" case like my own. Anyways dont sweat it, just start getting a folder together for court in case the trustee asks for anything at your 341.

Oh, almost forgot, when I went to file I got there early (30 min) as did many others. I think the line is longest if you show up right when they open, I would reccomend going an hour after they open if your schedule allows. I waited in line for an hour and when I got to the front of the line they informed me they only take money orders from the US post office. So I had to drive to the bank to cash the money order and stand in line again. They do accept cashiers checks, USPS money orders, and cash. They do not accept personal checks or credit cards in the debtors name. Also, the cashier we had did not have change for the people that brought 3 one hundred dollar bills to pay the 299 fee.

Thank you so much for all the great advice. I will just pay cash and get there early. I am printing off my extra copies required by the local bankruptcy rules and I'm good to go! I will come back and post with how it went.

[Priceless ProSe]

Thank you so much for all the great advice. I will just pay cash and get there early. I am printing off my extra copies required by the local bankruptcy rules and I'm good to go! I will come back and post with how it went.

Our local rule says to print one extra copy and anotherif you want a "stamped copy". Th clerk said he didnt know why they say this because only one is needed to file, go figure. I had him stamp one of the three i brought, what I will ever use it for I have no idea as well. So in the end I took two of my three copies home with me. Now obviously you still have to bring the extra copies just in case, but you would think they could update this because of the sheer amount of paper being wasted...no wait this is a beaurocracy (spelling) I forgot.

[Debster222]

Our local rule says to print one extra copy and anotherif you want a "stamped copy". Th clerk said he didnt know why they say this because only one is needed to file, go figure. I had him stamp one of the three i brought, what I will ever use it for I have no idea as well. So in the end I took two of my three copies home with me. Now obviously you still have to bring the extra copies just in case, but you would think they could update this because of the sheer amount of paper being wasted...no wait this is a beaurocracy (spelling) I forgot.

Yeah, I was just thinking that this sure is a waste of paper and ink if I end up not using them. But, as sure as I don't bring them, they'll want them. UGH!

[soleprop]

the MN clerk told me they just wanted "one original copy" - what the heck does that mean? i guess i plan on making a copy of the whole shebang before i go there...

i'll be waiting to hear what you learn from the filing process

[Priceless ProSe]

the MN clerk told me they just wanted "one original copy" - what the heck does that mean? i guess i plan on making a copy of the whole shebang before i go there...

i'll be waiting to hear what you learn from the filing process

Most likely original signature as opposed to a photocopy of the signature. For Socal they say to bring one original and one copy, im assuming that the copy can have photocopied signatures, but I was so paranoid I made three copies and then signed them. Once again it was a waste of paper and time.

[Debster222]

Most likely original signature as opposed to a photocopy of the signature. For Socal they say to bring one original and one copy, im assuming that the copy can have photocopied signatures, but I was so paranoid I made three copies and then signed them. Once again it was a waste of paper and time.

That's weird. In Colorado, they don't ask for extra copies of the SS# verification form.

[soleprop]

i think he meant socal as in southern california but i could be wrong

[Debster222]

i think he meant socal as in southern california but i could be wrong

OH DUH! LOL I thought it was "social". Can you tell I'm tired of looking at forms and papers?

[AngelinaCat]

Ms. Debster: 'Hub and I applaud you!!!

From everything you say, I think you are going to be fine. I know you will toss and turn the first few nights, but try not to.

Our very Best~~~

[BKParalegal]

Well something to think about, I had a client that filed BK, and almost 5 years to the day later, his next door neighbor was hit by a car. It is stuff like that, that makes you think.

Good Luck

[Priceless ProSe]

Well something to think about, I had a client that filed BK, and almost 5 years to the day later, his next door neighbor was hit by a car. It is stuff like that, that makes you think.

Good Luck

ummmmmm.....ok.