341 confirmation hearing yesterday

[mindy0795]

We had our 341 yesterday and the trustee did not question any of my expenses!!! If you go back and read some of my posts my attorney thought our food expense for a family of 4 was to high, we had listed 740.00 which included paper products and personal hygene. The trustee stated he would recommend our case for a discharge under chapter 7. Yeah!!!

[LuciluS]

Mindy:

Glad your 341 meeting went well. Did you leave your food expense at the low amount of $740 and/or did you tell the Trustee you felt it was too low?

If you don't mind my asking, what was your disposable income?

Will be keeping my fingers crossed for Your Discharged and Closed As Soon As Possible!

Luci

[mindy0795]

I left it at $740.00 I thought for sure he would say something about it but he didn't. The people in front of us must have had alot higher food expense because he said "what do you feed an army" but he still recommended them for a discharge also!! Our disposable income was $46.00.

[StartingOver08]

Congratulations Mindy0795! Welcome to the 60 day club! It should be smooth sailing now for you!

[EricaCallaha]

Congratulations....You are on the road to freedom!

[JRScott]

Congratulations

Now smooth sailing for 60 days and to discharge

[mindy0795]

I hope it's smooth sailing!!!!!! The trustee never even questioned our income tax return or if we even filed our taxes yet......I was kind of surprised.

[jessegirl]

Congrats to you. It sounds like everything went really good. Glad to hear...

[sadandconfus]

Is you don't mind, what was your gross income and the debt you had?

[lrprn]

Is you don't mind, what was your gross income and the debt you had?

SaC, even if mindi told you her income and debt level, it won't help you figure out your own financial situation. Income levels vary widely across the US, and debt level isn't what determines which bk chapter you can file.

You have to compare your gross income from all sources for the six calendar months before filing against your state's median income and then plug in your income and all your debts into the mandated Means Test to see if have disposable income or not.

Filing bk isn't as simple as taking your real income and comparing it against your real debt - not even close.