So we had our 341 meeting today and most went pretty fast. We got called up there and were asked the same questions until they asked if anyone had anything else. A lady at the table said she had some questions. She asked us a few additional questions which others were not asked. I dont think this lady was the UST but these questions were obviously from the UST.
She asked some questions that were like this but not word for word.
Q: When was the last time you used your credit cards?
A: Dec 2008
Q: Have you listed any unsecured debt payments as part of your monthly payments?
A: No
Q: How do you come to file for BK?
A: Poor financial decisions, loss of hours.
Q: To my wife: Are you looking for work?
A: No
Q: What is with your business? (I have a business name in my name, just for tax purposes. I dont get income from it, I work for a agency which pays me and pays my taxes so I am like a normal employee. )
A: I told her the business was in name only. I didnt do anything with it and I am employed and paid at X place.
She then told my lawyer they needed my 2 years tax returns (which he had) and my recent pay checks. Then we were done. It took about 5 min max.
We filed with over 100K in credit card debt, and no assets so we knew it was a good chance the UST would at least look at our case. We were under the median income by about a thousand, and under on expenses by like $1,000.
My only worry is my hours have picked up and my last two checks were about 31-36% more then my average check during the past 6 months. My lawyer said he wasnt worried but if anything bad happened we would deal with it.
But it does make me a little nervous. I am hoping this is a normal ust checking up on it and nothing more. Just looking for some insight to see if I am worrying over nothing.
She asked some questions that were like this but not word for word.
Q: When was the last time you used your credit cards?
A: Dec 2008
Q: Have you listed any unsecured debt payments as part of your monthly payments?
A: No
Q: How do you come to file for BK?
A: Poor financial decisions, loss of hours.
Q: To my wife: Are you looking for work?
A: No
Q: What is with your business? (I have a business name in my name, just for tax purposes. I dont get income from it, I work for a agency which pays me and pays my taxes so I am like a normal employee. )
A: I told her the business was in name only. I didnt do anything with it and I am employed and paid at X place.
She then told my lawyer they needed my 2 years tax returns (which he had) and my recent pay checks. Then we were done. It took about 5 min max.
We filed with over 100K in credit card debt, and no assets so we knew it was a good chance the UST would at least look at our case. We were under the median income by about a thousand, and under on expenses by like $1,000.
My only worry is my hours have picked up and my last two checks were about 31-36% more then my average check during the past 6 months. My lawyer said he wasnt worried but if anything bad happened we would deal with it.
But it does make me a little nervous. I am hoping this is a normal ust checking up on it and nothing more. Just looking for some insight to see if I am worrying over nothing.
, 341 Meeting: 08/12 
, Discharged: 10/16, Closed: 10/18 
Comment