False sense of security

[Migal]

After a long time of making decisions I am three months away from filing. Attorney has been chosen and paid. Paperwork is almost all finished. I've gone over half of the paperwork with my attorney and went from being a nervous wreck, losing sleep and exhausted all of the time, to a strange calm. Has anyone else experience this?

I know that the paperwork preperation was worrying me, so just getting that in order has been a great stress relief. Also, I'm finding I am gaining such confidence in my attorney. I was so nervous about my choice at first. I'm actually working with a different attorney in the law firm then the one I interviewed with, but I'm okay with that as I have developed a real sense of trust with her. I almost wish she would be the one with me at the 341.

Anyway, did anyone else get to this place BEFORE their 341? If I feel this way now, I can only imagine the great feeling it will be when it's discharged!

[frogger]

I started feeling better when I decided that bk was what was needed for our family. Haven't filed yet, but looking forward to it soon.

Instead of wondering what to do, I know what to be doing.

[tinfoilhat]

I stopped working 8/2007 and had a consultation with my present attorney and it was the greatest feeling in the world. But then I realized I'd lose a lot of stuff if I filed.

I moved out of state and got another job. I quit that one to move back, couldn't find work. Sold a lot of stuff to pay bills, realized I had nothing to lose, consulted a few attorneys, even hired one and ended up firing him losing $1500.

After about 8 consultations with other attorneys I went against everyones suggestions about hiring the first attorney you talk to, went back to the first one and hired him.

So after all the bs I've been through I really don't feel the relief yet.
Whole bk cost me $1324, good deal. But by not hiring the first attorney I talked to my whole BK has a grand total of $3800. Thats for a simple no asset case, 10 creditors $52k debt.

My whole point is: if I had walked into this guys office and filed back then, yes I would feel on top of the world right now.

[kenshirley]

Making the decision can be the tough part.
Getting that filing done so that the phone calls and letters stop is about the best thing that can happen for most of us.
Everyone is very nervous about the 341 meeting but for most it's a snap.
Then it's just a countdown for the discharge from there assuming you have a simple case as most do.

[zpbk13]

Our case was filed by our attorney on Wednesday (August 19). I am more nervous now that ever for some reason! I felt such relief after our initial consultation when she advised us to stop paying our credit card bills. I felt relief when I gave creditors her phone number so they stopped calling at home and work. I even felt a sense of closure wen we signed the papers but now I am a bundle of nerves and I've even gone to the courthouse to witness a whole string of 341s at the invitation of my attorney.

I think I will not truly feel at peace until we are discharged. I have learned so much about me and hubby's bad spending habits and the importance of having a budget that I do not regret where we are now as long as we have learned a valuable lesson. Credit is fine for other people but in general it is not good for us. I accept and understand that now!

[kenshirley]

At this point you may wish to do the following for your piece of mind. We did and it helped.
Many creditors take their time getting the notices from the courts to their departments indicating you have filed a BK. Until they get where they are supposed to be they will call and send letters.
We took our BK number and filing date, both items you should have now, and emailed every creditor we did business with and kept a copy of that email just in case.
And if they have assigned collections agents to the debt it's up to the lender to call them off too.
It may save you some hassles down the road.

[backtoschool]

After a long time of making decisions I am three months away from filing. Attorney has been chosen and paid. Paperwork is almost all finished. I've gone over half of the paperwork with my attorney and went from being a nervous wreck, losing sleep and exhausted all of the time, to a strange calm. Has anyone else experience this?

I know that the paperwork preperation was worrying me, so just getting that in order has been a great stress relief. Also, I'm finding I am gaining such confidence in my attorney. I was so nervous about my choice at first. I'm actually working with a different attorney in the law firm then the one I interviewed with, but I'm okay with that as I have developed a real sense of trust with her. I almost wish she would be the one with me at the 341.

Anyway, did anyone else get to this place BEFORE their 341? If I feel this way now, I can only imagine the great feeling it will be when it's discharged!

I felt exactly like you did after I officially filed. It was a huge relief, and I felt calm and grateful, and hopeful that the worst was over.