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My 341 by epiphany

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    My 341 by epiphany

    Today was the day. I'd give you the nutshell version but it was so brief that there really isn't much to condense.

    I arrived an hour and a half early because you just can't count on L.A. traffic to be light at any time of day, especially going into downtown.

    I sat around in the waiting room for a while listening to lawyers talk and a little before 1:30, I noticed the lawyer I was supposed to meet (my lawyer sent someone else) talking to his 1:30 session people. When he was done, I introduced myself and asked him if I could go wander around. He told me to go shopping for awhile, so I did some WINDOW shopping and came back about 20 minutes later. I started clocking the rate at which people were exiting the courtroom and it was averaging 4-6 minutes each. I thought that was a good sign.

    The lawyer got together with me a few minutes before the 2:30 session and then all the 2:30 people went into the hearing room. He told me I was number 3 on the docket.

    The trustee addressed the room and told everyone to have their driver's licenses and social security cards out so they wouldn't be fumbling for them up at the table, and warned everyone that they would be under oath. He also told everyone to turn off cell phones or anything else that would make noise and that there was to be no talking. Violators of these rules, he said, would be asked to leave and come back on October 7th.

    He called the first person and then also called my name and told me to wait against the wall. (seems debtor 2 had not shown up). Just as he was about to begin with her he had to admonish the audience because there were some people talking. Idiots. He reminded them that they could very easily be asked to leave.

    The trustee spent about five minutes with debtor number one and joked with her a couple of times. Her husband was in the front row and he told her that he could see her husband shaking his head to what she was saying and told him: "it's okay sir, you are not under oath". He excused her and then it was my turn. Below is how it went:

    Trustee: Please state your name.

    Me: Epiphany Poo

    Trustee: Please state your address:

    Me: Epiphany Poo Lane, EpiphanyLand, USA

    Trustee: Did you read the pamplet that you were given?

    Me: Yes

    Trustee: Did you read your bankruptcy petition?


    Me: Yes


    Trustee: Did you sign the petition yourself?

    Me: Yes

    Trustee: Are these your tax returns?

    Me: Yes

    Trustee: Is everything in your tax returns true and correct?

    Me: Yes

    Trustee: What is "insert name of my business "?

    Me: A small part time business on eBay.

    Trustee: Are all the assets from the business listed in your petition?

    Me: Yes

    Trustee to lawyer: I have no further interest in these (he handed the tax returns to him). Thank you for redacting the social by the way.

    Lawyer: Sure.

    Trustee to room: Are there any creditors here for this matter?

    Sweet Silence.

    Trustee: You are excused. Good Luck to you.

    Me: Thank you.

    Then the lawyer handed me a copy of my case and my tax returns and wished me luck too. I thanked him and was on my merry way. Was home at 3:12.

    Whole thing took less than three minutes. Easy, Breezy, Beautiful.

    I just have ONE question for anyone who might know. What was that redacting the social thing about? I have no idea what that means, nor do I care all that much but am curious.

    Now, I am going to pour a glass of wine and I bought a big beautiful steak for dinner...it's okay, it was on sale!

    ep
    Last edited by epiphany; 08-28-2008, 03:18 PM. Reason: spelled my name wrong :)
    California Bankruptcy Central

    #2
    Could mean several things regarding your ss number. You can redact by making a copy, separating sensitive info or simply blacking out sensitive info.

    I would venture a guess that your attorney provided a copy of your ss card to the trustee, hence redacting.

    Major congrats.

    Comment


      #3
      Originally posted by fltoo View Post
      Could mean several things regarding your ss number. You can redact by making a copy, separating sensitive info or simply blacking out sensitive info.

      I would venture a guess that your attorney provided a copy of your ss card to the trustee, hence redacting.

      Major congrats.

      Thanks!

      Was never asked for my social security card until today. However, I did just notice that on my tax returns, everywhere it lists the social, all but the last four numbers have been inked out. My bank routing numbers are inked out too. That must be it.

      ep
      California Bankruptcy Central

      Comment


        #4
        When people file papers with the Bankruptcy Court, they must be very careful to Redact your SSN (to reduce fraud). Remember, PACER is public, and anyone can walk into a U.S. District Court and use PACER for free (and write down your name, SSN, address... etc.). I've seen some places where people forgot to redact account numbers and the like (I'm a PACER addict).

        I accidentally had about 3 full account numbers (for credit cards that were open) on one of my schedules. Luckily, I'm not keeping them, and the issuing Banks quickly closed them. I almost filed my entire petition with my SSN fully exposed.

        Yeah, pro se filers don't have it easy!
        Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
        Status: (Auto) Discharged and Closed! 5/10
        Visit My BKForum Blog: justbroke's Blog

        Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

        Comment


          #5
          Actually I liked the title of this thread. I first thought it read "My Epiphany". Either way, great job!
          Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
          Status: (Auto) Discharged and Closed! 5/10
          Visit My BKForum Blog: justbroke's Blog

          Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

          Comment


            #6
            Glad it went so well for you Epiphany!! Welcome to the 60 day club!!

            But now you guys have me worried about whether or not our social security numbers were redacted on the tax return copies I gave the attorney, that were sent to the trustee!

            Yikes - hope they were!
            Filed Ch 7 -- July 9, 2008
            341 mtg ---- August 14, 2008
            Discharged ---- October 17, 2008
            Closed --------- December 11, 2009!

            Comment


              #7
              Great informative posting and so marvelous that it went so well and easy for you.

              Now, does Winney the Poo also reside at "Epiphany Poo Lane, EpiphanyLand, USA?"

              LOL! :-)
              _________________________________________
              Filed 5 Year Chapter 13: April 2002
              Early Buy-Out: April 2006
              Discharge: August 2006

              "A credit card is a snake in your pocket"

              Comment


                #8
                Originally posted by PoorGrammyinBK7 View Post
                \But now you guys have me worried about whether or not our social security numbers were redacted on the tax return copies I gave the attorney, that were sent to the trustee!

                Yikes - hope they were!
                The tax returns, from what I have seen, don't go on PACER. I asked the trustee's assistant, actually, about redacting the ssn's and she specifically not to since they have to know it was my return.

                BTW, CONGRATS EPIPHANY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

                Glad it went well!!!!!

                Comment


                  #9
                  Originally posted by Tabbygirl View Post
                  The tax returns, from what I have seen, don't go on PACER. I asked the trustee's assistant, actually, about redacting the ssn's and she specifically not to since they have to know it was my return.
                  Probably different in different districts. My payroll advices and tax returns are in with my case file in PACER. However, they are set to "private" and only the Trustee and court can see them. The real problem is, if a creditor gets them (nonredcated) and then files them as an Exhibit without a redaction of the "sensitive" information.

                  As someone else pointed earlier, you may even have routing and account numbers to your Bank included on tax forms...

                  There are unscrupulous people out there... that's all.
                  Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
                  Status: (Auto) Discharged and Closed! 5/10
                  Visit My BKForum Blog: justbroke's Blog

                  Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

                  Comment


                    #10
                    woot, ep!! hope mine goes as well tomorrow!
                    Filed 7/28/08, Discharged 10/29/08
                    (filed pro se: nonconsumer no asset CH7)

                    Comment


                      #11
                      Congrats on a smooth 341...welcome to the club!
                      Filed BK (Ch. 7) 6/2/08
                      Discharged!! 9/24/08
                      Closed..the end! 10/1/08

                      Comment


                        #12
                        Originally posted by justbroke View Post
                        Probably different in different districts. My payroll advices and tax returns are in with my case file in PACER. However, they are set to "private" and only the Trustee and court can see them. The real problem is, if a creditor gets them (nonredcated) and then files them as an Exhibit without a redaction of the "sensitive" information.

                        As someone else pointed earlier, you may even have routing and account numbers to your Bank included on tax forms...

                        There are unscrupulous people out there... that's all.
                        That's true; I know I researched some cases from other districts and there were paystubs for all the world to see--employer, salary, everything. At least in TX, none of the SSN stuff was there, although there's enough personal info on PACER to 'recreate' my financial life, so to speak.

                        That's sad that people go to such lengths to defraud, but they do....

                        Comment


                          #13
                          Sounds like things went well, Epiphany! Keep it up!

                          Comment


                            #14
                            Sounds like it went great!!!! Woooo Hoooo!!!!
                            Thanks for the detailed 341 update...for those who haven't had their 341, it eases our minds ...

                            The count down begins!
                            May 2008 Hired 1st Attorney/Stopped paying CCs
                            May 21, 2009 Retained 2nd Attorney
                            May 28th - Filed for Ch 7 (FINALLY!)
                            9/11/09 - DISCHARGED!!!!

                            Comment


                              #15
                              Originally posted by Flamingo View Post
                              Great informative posting and so marvelous that it went so well and easy for you.

                              Now, does Winney the Poo also reside at "Epiphany Poo Lane, EpiphanyLand, USA?"
                              Sadly no. But he has an open invitation! Please tell him that should you run into him.

                              Thanks for the warm reply,

                              ep
                              California Bankruptcy Central

                              Comment

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