We had our 341 hearing yesterday!

[zpbk13]

I still cannot believe it's over. I admit I stressed about it but it was so easy! Our meeting was scheduled for 3:00 and we were standing outside the courthouse and I was hugging our attorney at 3:15.

The trustee asked us a dozen (or a few more) questions about our petition and they were mostly yes or no questions. Not one mention about our third vehicle (surrending that sucker!) and no question about our timeshare at all! He had said good luck to us and my husband and attorney moved away from the table while I just sat there stunned. I don't know what I expected. More grilling, I suppose. We did have a little hiccup with some paperwork that had not made it to his office in time, he just made a notation on our papers and we were done.

I am still in a bit of a shock that it was that easy. I asked our attorney if we had to worry about US Trustee involvement and she assured us if the US Trustee was interested in our case, she would have been notified.

So looks like we are in the 60 day club! It feels good!

[leena]

Congratulations! I love reading about 341's like this, with more complex stuff than mine going so well because it gives me a lot of hope mine will be smooth!

[2manybills]

Congratulations and welcome to the 60 day club!

[ForumReader]

That is great to hear about your 341 going well! Congrats and welcome to the 60 days club!

[liz417]

Glad to hear you 341 went so well

Welcome to the 60 day club!!!

[frogger]

Glad it went well. Congratulations!

[LSUTiger32]

Congrats!!!! I hope to be right behind you in the "club"!

[killinstinct]

Congratulations!

See, no big deal, but we all freak out about it!

60 days and you're home free!

[debtBgone]

Congratulations! Welcome to the 60 day club! Seems like a lot of us have had a good 341 so far this week.

LSUTiger32...Good luck on your 341 this Thurs. Let us know how it went.

[zpbk13]

Thanks everyone. It feels surreal. I have been reading the forum for months and envying those that have gone ahead of me and are enjoying their fresh new start. Now I'm on that same path and it feels so good. I could just cry. The weight of trying to figure out to rob Peter to pay Paul every month is gone. Of course, we are not out of the woods yet. Credit offers, in the form of car loan apps, arrive almost daily but we don't need any car loans and certainly don't need any credit cards. I'm sure those offers will pop up once we are discharged. Anyway, I am looking forward to putting all this behind us and sticking to a budget so we never find ourselves here again.

LSUTiger - I hope your 341 goes well. We want to hear all about it once its over!

[Bubblebowl]

Congrats zpbk13,
My trustee was interested if whether I wanted to buy back my auto and to send an offer within 2 weeks. I didn't get a good luck.

It appears another member of 60 day club?

[Michigan1951]

Our 341 is coming up shortly, 10/14@3pm in Michigan. Talk about scared to death here.
I am obsessed with this bk forum and I check pacer 2 times a day since we filed 9/2/09.
I do have a question about after the bk is discharged.
Q1) Will our homeowners insurance SOAR out of control once they do an anewal review this coming Feb. 2010? Even our car insurance? OMG.................If so, what kind of a relief is that if the insurances sky rocket on us here in Michigan (insurance companies peek at credit reports/scores to determine premiums)?
I am on Zoloft right now because of feeling so down over my CC debt out of control, and way too many secured debts in my face. I just woke up!! I had to file and I am scared to death right now. When this is all said and done, I am NOT using CCards again, and I am getting out of debt for good. I am sick of this nightmare that I got myself into (along with situations that I could not stop too).
Can anyone tell me if their car and/or homeowners insurance went up in Michigan after the bk? I appreciate any comments, and also this forum!!!

[liz417]

Our 341 is coming up shortly, 10/14@3pm in Michigan. Talk about scared to death here.
I am obsessed with this bk forum and I check pacer 2 times a day since we filed 9/2/09.
I do have a question about after the bk is discharged.
Q1) Will our homeowners insurance SOAR out of control once they do an anewal review this coming Feb. 2010? Even our car insurance? OMG.................If so, what kind of a relief is that if the insurances sky rocket on us here in Michigan (insurance companies peek at credit reports/scores to determine premiums)?
I am on Zoloft right now because of feeling so down over my CC debt out of control, and way too many secured debts in my face. I just woke up!! I had to file and I am scared to death right now. When this is all said and done, I am NOT using CCards again, and I am getting out of debt for good. I am sick of this nightmare that I got myself into (along with situations that I could not stop too).
Can anyone tell me if their car and/or homeowners insurance went up in Michigan after the bk? I appreciate any comments, and also this forum!!!

Okay, 1st of all, you might want to ask your question on a new thread that way you'll get more replies

You really need to take a deep breath and calm down. Every situation is different and you can't go worrying youself to death I was discharged a couple of weeks ago and I haven't seen any increases in my car insurance or homeowners insurance (both with the same company) and I've been up for renewel, in fact, my homeowners insurance went down $250 because of the recent housing market!!! Now, I did shop around for new car insurance right before I filed just to get an idea (I'm paying a premium price) and the couple of insurance companies I went to DO a credit check (they state they need to do it to "know my credit" to and that determines my deposit...yeah right).

[Michigan1951]

Hi Liz417. Thanks for helping with my meltdown. This is my first thread message so I am not good at this anyways.

[Klesko]

Ya my meeting is on friday 10/02 , I am a little nervous too but from reading everyones experience has made me more relaxed about it.

Seems like I was lucky though, alot of peoples meeting is 30+ days out. I filed Sept 11 and got a meeting almost exactly 20 days out.