Waiting on my 341 meeting...could use some encouragement =(

[gem561]

This waiting period really sucks! Agh. I just cant wait till this is over and behind me. I feel like I am going to have an anxiety attack everyday. I am on Pacer everyday and i dont even know what im looking for? How do i even know where to look if something changes? Can some people share their experiences at their 341 meeting?

[chloe0724]

Gem,

I know how stressful it is for you right now. Please try not to focus so much on the 341. As long as all your paperwork was in order when you filed, your 341 should be smooth.

They only last about 5 mins and when they're finished, you wonder why you worried so much.

[happy_ira]

If you feel you must do SOMETHING on PACER, try the History of Documents link. anythign that gets posted/filed/notice of appearance, etc will show up there.

Hang in there - it will be here before you know it.

[gem561]

Thank you so much. Any bit of encouragement REALLY helps through these stressful times. And thank you for guiding me through pacer=)

[JRScott]

Here's hoping things go good gem

Also only check PACER once a day, they only update it in the evenings each day. So checking it more than once a day does not really help you

[B65]

I feel the same way

I filed Oct 31st and 341 is Dec 10th, I am now off work because of my nerves, It has been a bad 10years with a lot of other stressful things and I think everything has come to a head for me. I cannot even register for pacer as I cannot take the stress, I am sat here dreading each week thinking I will get notified the US trustee wants 5 million things i don't have .... I have lost so much weigh I cannot eat and i want this hell to be over, I Know I can pinpoint my worries, My worries are they will not accept a houseolf of 5 or even 4, the other worry is I may have ahouse closing (2nd this year) before the 341 and I need the money to get christmas for my 3 daughters and oil in the tank, and my other worry is, my lawyer had told me back in July to stop paying people and using cards but he never told me to change bank account from one company we owed so in August the took 1000k out of my account and I had written the lawyer a check for $800, so I had one card issued from overseas, that is not on a credit report here in the states, so i had to use it for food and such... I told the lawyer i did and that i did not want to discharge it as I had to use it, even though it was listed, but they said oh thats ok we will try to vet it discharged if they object it is just that card not the whole bankruptcy that will be disputed, but nowhere in my file has he written i did not want this debt discharged... so feel i may get grilled on that.
those are my only worrys, everything else is fime and the debt took us 8 years to get and in the past 12 months tey have hardly been used and we paid each month.
i know the stress is awful, and all we can do is hope we are both out if it with a fresh start one day.

I also sit here and feel like a criminal.

B

[Cali]

I didn't check Pacer until after my 341 and then I only checked it once a week.

I was lucky because my trustee was the nicer one in my area.
My 341 was pretty simple, which was a blessing considering the amount of debt we were discharging. The trustee asked the basic questions, joked with me about the military and sent me on my way.

[Goingbankrupt]

The 341 for the majority of people...95%...went super smooth. There was a sheet the trustee wanted everyone to fill out prior to meeting with her and since she had 20 people scheduled per hour she sailed through them. Best of luck. Do not worry.

[TEW]

I know how you feel it’s almost like when the dentist grabs your cheek and you see the needle coming and wait for that LITTLE!!!!! Pinch all day everyday for a month or more. And it will all be over in 10 minutes or so.

[JRScott]

I filed Oct 31st and 341 is Dec 10th, I am now off work because of my nerves, It has been a bad 10years with a lot of other stressful things and I think everything has come to a head for me. I cannot even register for pacer as I cannot take the stress, I am sat here dreading each week thinking I will get notified the US trustee wants 5 million things i don't have .... I have lost so much weigh I cannot eat and i want this hell to be over, I Know I can pinpoint my worries, My worries are they will not accept a houseolf of 5 or even 4, the other worry is I may have ahouse closing (2nd this year) before the 341 and I need the money to get christmas for my 3 daughters and oil in the tank, and my other worry is, my lawyer had told me back in July to stop paying people and using cards but he never told me to change bank account from one company we owed so in August the took 1000k out of my account and I had written the lawyer a check for $800, so I had one card issued from overseas, that is not on a credit report here in the states, so i had to use it for food and such... I told the lawyer i did and that i did not want to discharge it as I had to use it, even though it was listed, but they said oh thats ok we will try to vet it discharged if they object it is just that card not the whole bankruptcy that will be disputed, but nowhere in my file has he written i did not want this debt discharged... so feel i may get grilled on that.
those are my only worrys, everything else is fime and the debt took us 8 years to get and in the past 12 months tey have hardly been used and we paid each month.
i know the stress is awful, and all we can do is hope we are both out if it with a fresh start one day.

I also sit here and feel like a criminal.

B

Try not to worry. I know its hard. I worried my self sick for almost 4 years while the debt mounted up. Getting filed finally it was a little weight lifted, I was already being sued so I was still worried. The 341 went in 5 min no problems.

Understand also that your lawyer did the right thing in listing the card. Legally you have to list all debts in the petition even if you prefer not to. As he told you if they object then only that card and only the fraudalent amounts proven can be objected to. Incidentally using it for food and gas is not fraud and they don't have a leg to stand on.

Sorry to hear they garnished your account before you got filed. I know that can hurt a lot.

Things are going to get better . Try not to give up.

I was nervous to and though I was signed up for PACER I only checked it couple times a week, usually monday and friday.

[adaughter]

I filed Oct 31st and 341 is Dec 10th, I am now off work because of my nerves, It has been a bad 10years with a lot of other stressful things and I think everything has come to a head for me. I cannot even register for pacer as I cannot take the stress, I am sat here dreading each week thinking I will get notified the US trustee wants 5 million things i don't have .... I have lost so much weigh I cannot eat and i want this hell to be over, I Know I can pinpoint my worries, My worries are they will not accept a houseolf of 5 or even 4, the other worry is I may have ahouse closing (2nd this year) before the 341 and I need the money to get christmas for my 3 daughters and oil in the tank, and my other worry is, my lawyer had told me back in July to stop paying people and using cards but he never told me to change bank account from one company we owed so in August the took 1000k out of my account and I had written the lawyer a check for $800, so I had one card issued from overseas, that is not on a credit report here in the states, so i had to use it for food and such... I told the lawyer i did and that i did not want to discharge it as I had to use it, even though it was listed, but they said oh thats ok we will try to vet it discharged if they object it is just that card not the whole bankruptcy that will be disputed, but nowhere in my file has he written i did not want this debt discharged... so feel i may get grilled on that.
those are my only worrys, everything else is fime and the debt took us 8 years to get and in the past 12 months tey have hardly been used and we paid each month.
i know the stress is awful, and all we can do is hope we are both out if it with a fresh start one day.

I also sit here and feel like a criminal.

B

Our 341 is on the same day!-and today I get a call saying the lawyer made a mistake we need to correct. ugh and trust me I am equally as nervous but you know what I have come to terms with recently, is that take one day at a time. we are not going to be able to predict what is going to happen on 341 day by thinking about it 24/7. Just think of today today and whatever happens in the future you'll worry about it when it happens. The only thing you can do is pray and just try to live your life as normal as you possibly can now. because driving yourself nervous is not going to be beneficial for anyone. I know its hard but just try hang in there like the rest of us! <3

[caitybird]

I too am waiting on 341

We have our 341 meeting in 2 days and I have been a nervous wreck since we filed in September. This forum is great, but I'm still nervous too!

[filingin08]

Our 341 was last week.

Like other posters, I was a wreck before the meeting. I had read the comments on this board about how smooth they were. I just knew it couldn't be that easy. Not that anyone was lying, but it wasn't my luck for things to be that easy. Tell you what... IT WAS THAT EASY!! All that worry and lack of sleep for nothing, nada, zilch!

Good luck!

[cathywhite4495]

Hi,
I successfully filed a Chapter 7 a year ago and I want to add my encouragement. It feels like the process takes forever, but the time does pass and you have that wonderful feeling of relief at the end.
Hang in there and think of the end result! The 341 really isn't that bad - the worse part is the waiting.

[gem561]

Thank you so much for all of your input! I feel so much better! And i took the advice of only looking on pacer once a day....im trying to actually go longer than that. I feel like a crack feen, trying to kick an addiction =)