nervous - wisconsin

[kristyc]

So working on getting final info together to file. The only thing that snagging me is the dreaded 341. I'm curious to know if Wisconsin is tough on the debtors, how the trustees are (specifically in the Western District).

do trustees ever badger the debtor? My big fear is that they will talk me into a circle to make it sound like I am lying, or not trust what I am saying (even though I will not lie).

I have a no-asset case, about $50,000 in unsecured debt. The only snag is a $15k balance transfer for a friend to pay off a loan from him in April. I understand I will need to explain that and that may not be discharged, but is that the worst that would happen?

[jnp]

Hi. I live in Wisconsin, and filed chapter 7 pro se. I was discharged last week. My case was filed in the Eastern district. My 341 meeting only lasted five minutes! She asked me a few questions, and I was done. She told me good luck, and that I'd have my discharge approximately 60 days after the meeting. None of my creditors showed. Do not be worried. Please post back after your 341. I'd be happy to hear how it went.

[Stilltheone]

We also filed in the Eastern district and had a woman trustee. She was hilarious and the meeting went smooth as silk...no badgering. She DID, however, badger others in front of us, who I think had other issues. If you're a straight ch. 7, with nothing to hide, you'll be fine!

[backtoschool]

Your 15k balance transfer to pay off your friend may still end up being an issue since it has only been six months.

The trustee may go after your friend for an insider payment or you may end up with an AP from the credit card company.

Have you been making payments on that 15k?