JUST KIDDING!!!!! RELAX......
This is funny.
We had our hearing at 10, showed up around 9:40 or so. I had just got my wife calmed down and told her that I would answer all questions, she would just have to tell the trustee that it was accurate, or whatever (I've 'managed' our finances, so she doesn't have much info. ha). We go through security (standard courthouse security, metal detector, etc.) and they ask where we're going, have to show ID. They ask who our atty is and we tell them, very friendly. Tell us he's a bastard for being on vacation in Austrailia, Guam, etc. (good business for BK atty's these days). We laugh and talk a bit then go upstairs.
JUST in time to hear the UST and GRILLING some Ukrainian couple about their assets. (They were OBVIOUSLY hiding something and lying through their teeth). He's practically yelling at them "these documents appear fraudulent", "we'll have some investigators contact you", etc. And they're smiling from ear to ear. I'm telling you these people were up to something and it was OBVIOUS. My wife then FREAKS out after I've just tried to calm her down and demands I call our atty's office....
One of the other atty's was kind enough to point out our 'sub' attorney. He was rad. Totally cool, laid back. We spoke to him briefly in the hallway and he told us there were no questions, flags, etc. and everything should be straightforward. He then proceeds to make small talk about my wife's tattoos (we're kind of rock and roll).
At 10, we're the FIRST case called (I had a feeling we would be). The TT had nothing but the standard questions. He looked at our ID's, SS cards and verified we were who we said we were. He asked:
Address?
Asked if we moved recently (we hadn't, we had a P.O. box on our petition that was being used as our mailing address, seemed to clear up that question).
Did you read the info sheet from the US Trustee's office? (yes)
Did you review your petition before you signed it? (yes)
Anything you would like to change in your petition? (no)
Do you expect any inheritance in the next 180 days? (no). If you do recieve anything, please notify your atty. (yes sir).
Does anyone owe you any money? Do you have any pending personal injury claims? (no)
Have you paid more than $600 to any creditors in last three months? (yes- my car, TT wasn't interested in that though, he said he meant only unsecured creditors).
You are surrendering your house (yes)?
Do you still have keys (yes)?
Did you have it listed for sale prior to filing (yes)?
Who was your agent? (answered)
I will have my real estate agent contact you, what is your phone number (gave it to him).
Are there any creditors here? (no answer).
Thank you. Our sub attorney then wished us luck and told us we were done. Said our atty would contact us once back in town if anything came up.
Piece of cake. Apparently the only thing that may delay our discharge is that the TT wants to try and sell our house. Good luck with that, be my guest!
One last thing that made it amusing...somewhere in the middle of our testimony the TT got an irritated look on his face and began tapping his pencil loudly on the table (not so subtle hint). He then LOUDLY announced to the room that 'people' needed to take their 'discussions' outside. This didn't appear to appease him and he got even more testy, saying "go outside", then "THAT MEANS YOU!!!" to one older attorney in general. I felt bad for the guy as he was older and probably deaf. The even funnier thing is that it was the FIRST BK attorney I talked to that orignially tried to tell me to file 13 or 'work it out' with my creditors. Geez, nice guy but I'm SURE GLAD I didn't go with him!! Ha ha!!!
Then the wife and I had bloody marys and breakfast to calm down and celebrate. Yay! What a freaking adventure that was.!!!!
To those of you with 341 coming up....don't worry. As long as you're honest and being straight up, NOTHING to concern yourself over!!!
This is funny.
We had our hearing at 10, showed up around 9:40 or so. I had just got my wife calmed down and told her that I would answer all questions, she would just have to tell the trustee that it was accurate, or whatever (I've 'managed' our finances, so she doesn't have much info. ha). We go through security (standard courthouse security, metal detector, etc.) and they ask where we're going, have to show ID. They ask who our atty is and we tell them, very friendly. Tell us he's a bastard for being on vacation in Austrailia, Guam, etc. (good business for BK atty's these days). We laugh and talk a bit then go upstairs.
JUST in time to hear the UST and GRILLING some Ukrainian couple about their assets. (They were OBVIOUSLY hiding something and lying through their teeth). He's practically yelling at them "these documents appear fraudulent", "we'll have some investigators contact you", etc. And they're smiling from ear to ear. I'm telling you these people were up to something and it was OBVIOUS. My wife then FREAKS out after I've just tried to calm her down and demands I call our atty's office....
One of the other atty's was kind enough to point out our 'sub' attorney. He was rad. Totally cool, laid back. We spoke to him briefly in the hallway and he told us there were no questions, flags, etc. and everything should be straightforward. He then proceeds to make small talk about my wife's tattoos (we're kind of rock and roll).
At 10, we're the FIRST case called (I had a feeling we would be). The TT had nothing but the standard questions. He looked at our ID's, SS cards and verified we were who we said we were. He asked:
Address?
Asked if we moved recently (we hadn't, we had a P.O. box on our petition that was being used as our mailing address, seemed to clear up that question).
Did you read the info sheet from the US Trustee's office? (yes)
Did you review your petition before you signed it? (yes)
Anything you would like to change in your petition? (no)
Do you expect any inheritance in the next 180 days? (no). If you do recieve anything, please notify your atty. (yes sir).
Does anyone owe you any money? Do you have any pending personal injury claims? (no)
Have you paid more than $600 to any creditors in last three months? (yes- my car, TT wasn't interested in that though, he said he meant only unsecured creditors).
You are surrendering your house (yes)?
Do you still have keys (yes)?
Did you have it listed for sale prior to filing (yes)?
Who was your agent? (answered)
I will have my real estate agent contact you, what is your phone number (gave it to him).
Are there any creditors here? (no answer).
Thank you. Our sub attorney then wished us luck and told us we were done. Said our atty would contact us once back in town if anything came up.
Piece of cake. Apparently the only thing that may delay our discharge is that the TT wants to try and sell our house. Good luck with that, be my guest!
One last thing that made it amusing...somewhere in the middle of our testimony the TT got an irritated look on his face and began tapping his pencil loudly on the table (not so subtle hint). He then LOUDLY announced to the room that 'people' needed to take their 'discussions' outside. This didn't appear to appease him and he got even more testy, saying "go outside", then "THAT MEANS YOU!!!" to one older attorney in general. I felt bad for the guy as he was older and probably deaf. The even funnier thing is that it was the FIRST BK attorney I talked to that orignially tried to tell me to file 13 or 'work it out' with my creditors. Geez, nice guy but I'm SURE GLAD I didn't go with him!! Ha ha!!!
Then the wife and I had bloody marys and breakfast to calm down and celebrate. Yay! What a freaking adventure that was.!!!!
To those of you with 341 coming up....don't worry. As long as you're honest and being straight up, NOTHING to concern yourself over!!!
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