I just filed...

[IBroke]

So, after playing around with pacer, I found the document. It is indeed what I posted before. Cool, good news, docs complete..

[ccsjoe]

Awesome!!

[IBroke]

Awesome!!

..and it's getting better: Just received a notification from myfico scorewatch: Equifax went up to 570 from 578. I'm living proof - BK can in fact INCREASE your credit-score! LOL...

My old, second mortgage now reports IIB and $0 balance instead of $71K. An old Auto-loan shows IIB as well BUT still shows the $11K balance after the repo (and shows this amount as "past due").

I'll keep an eye on them. Maybe I'm lucky and this error "survives" my initial dispute with the CRAs once I'm discharged. If so, I might be able to force them to take it off the report completely.

[ccsjoe]

LOL. My experian fako keeps swinging wildly. Two weeks ago it was 521, yesterday 626. Good thing my subscription is free. I'll get the real fico and the other credit bureaus' reports once I'm ready to start cleaning up/rebuilding post discharge.

[IBroke]

Alright - I had my 341 today. I arrived 30 minutes early and listened to some other cases. Unfortunately, my attorney was 30 minutes late (but not just mine - 4 out of 5 were late) so the hearing was interrupted because the trustee "ran out of debtors" (or out of filers without an attorney). After a 90 minute delay, it was my turn.

No creditor showed up. Trustee verified my information (name etc.) and went over the standard questions (did you read and sign the petition? Did you list all assets/debts etc.). The first "personal" questions was a verification if I was still unemployed. He asked me then who supported me financially and verified that I would keep the car. And guess what? That was it. It took about 2 minutes (nope, not 5 - it simply didn't take that long). Quite simple for $350K debt.

No UST. There were some cases prior to mine where the UST - a friendly lady, BTW - was involved but her questions were just as normal and "unnasty" as those of the trustee. The "regular" trustee was friendly as well. No yelling, judging or other bad behaviour at all.

[ccsjoe]

Awesome IBroke!!!! Welcome to the 60 day club. Watch for that report of no distribution now. Mine was uploaded to Pacer 2 hours after my 341.

[IBroke]

Awesome IBroke!!!! Welcome to the 60 day club. Watch for that report of no distribution now. Mine was uploaded to Pacer 2 hours after my 341.

Thanks, ccsjoe!

I'll keep an eye on PACER and will be posting any changes as soon as they show up.

[Pandora]

congrats IBroke!

[tobee43]

good to hear IBroke!! glad it's over for you...and you are now in the 60 day club!

[IBroke]

Thanks, folks!

[tobee43]

Thanks, folks!

make sure you let us know when you get all your notices!!!

[onthefence]

Glad to hear your 341 went so smoothly!! It seems you are now officially in the club!

[mommi2many]

Congratulations! I can't wait to join the club with you hopefully in a couple of weeks.

[IBroke]

So, I guess I'm on track. Found this info on PACER today:

REPORT OF NO DISTRIBUTION:

"Meeting of Creditors Held and Concluded on 10/28/2010. Chapter 7 Trustee's Report of No Distribution: I, (name of trustee), having been appointed trustee of the estate of the above-named debtor(s), report that I have neither received any property nor paid any money on account of this estate; that I have made a diligent inquiry into the financial affairs of the debtor(s) and the location of the property belonging to the estate; and that there is no property available for distribution from the estate over and above that exempted by law. Pursuant to Fed R Bank P 5009, I hereby certify that the estate of the above-named debtor(s) has been fully administered. I request that I be discharged from any further duties as trustee. Key information about this case as reported in schedules filed by the debtor(s) or otherwise found in the case record: This case was pending for 1 months. Assets Abandoned (without deducting any secured claims): $ 537.50, Assets Exempt: $ 935.76, Claims Scheduled: $ 349781.00, Claims Asserted: Not Applicable, Claims scheduled to be discharged without payment (without deducting the value of collateral or debts excepted from discharge): $ 349781.00. (name of trustee)"

[ccsjoe]

Officially now "Welcome to Club 60"!!!!!!!!!!