Had my 341 today

[Panacea]

and it was a breeze. I got there an hour early and was the second one called. I'm relieved and alot of tears on the way home, mostly do to all the stress I've been under. Thanks everyone for all your help so far. I'm so glad you're here.

[Freddy03]

Congrats on a breezy 341

[debee]

Here's hoping for a speedy 60!

[oregonpilot]

AWESOME Panacea
So glad this step is done for you.

WELCOME to the 60 day club!!!!

[Panacea]

Thanks!!!!!! Just seeing your replies made me smile! Cant WAIT for this to be over!

[ValleYum]

Yay!! Congrats to you!

[oregonpilot]

Thanks!!!!!! Just seeing your replies made me smile! Cant WAIT for this to be over!

Smiling is good. Think i posted it somewhere else about i was smiling so much my face hurt. hahaha
Tell you what.... how about if you take my place in the 60 day club. tomorrow is 60 days for me.
This club is an awesome club BUT ******I WANT OUT *****

[october99]

That's great to hear! Congrats

[free2breathe]

Congrats, Panacea! Welcome to the club

[helpme2010]

and it was a breeze. I got there an hour early and was the second one called. I'm relieved and alot of tears on the way home, mostly do to all the stress I've been under. Thanks everyone for all your help so far. I'm so glad you're here.

My 341 case was one of the most simple ones of all of the cases. I was frustrated because I was the very last case called up. The very first case had a guy who couldn't speak English and they of course had to put the interpreter on the phone (I hate when someone shows up to court and doesn't even bring the interpreter to the court room). So this caused something that should have taken 1 minute, to take over 10 minutes.

I was relieved when the room was empty as my turn was coming, then all of the sudden they open the doors to let the next hours worth of people pour in, so they all got to hear about my personal stuff.

I also heard a couple people really trying crazy stuff with moving large amounts of money around and the trustee kept asking for more information (so a couple people got to submit more stuff to the trustee). But this was really easy to go through.

Congrats on yours.

[frogger]

Congratulations. Good luck!

[BKlooker]

Hi Pan,

I am in MD like you are...my 341 is in 2 weeks. What did they ask you, out of curiousity? How long did it take?

Congrats on your entering the 60 day club! I can't wait to be there myself

[Panacea]

Hi BKlooker (and thanks for all the congrats ya'll!)
They asked the standard, my lawyer gave me a list of what was asked, but really yes or no answers with maybe two total sentences. I didn't elaborate on anything because I tend to ramble when I'm nervous so I thought it best to just answer short and sweet.

All were basic....name address phone, and she verified ss card and picture id.
Asked why I filed for bankruptcy, which again....short answer, I couldn't keep up w/house payments which in turn lead to the credit card debt.
Asked if I was surrending my house....yes
Car? yes
When my last payments were.
If I got, or expected any money, or if anyone owed me money....no
I'd say not even 5 minutes total.

Then "We're done here, thank you" ..... NEXT! No, they didn't say next, but you get the point.
I was no asset, and not a complicated case. I was under the median income by few thousand too.

Just wanted to add that it wasn't pleasant, nor scary while going through it. She was pretty straight forward without making me feel like a complete failure. I did that to myself while sitting there waiting for my lawyer and to go into the room, imagining the worst. Just the facts, and businesslike. I sorta liked her for that.

Good luck to you. I hate the fact I stressed so much about it, but its over now, and I actually can breathe again....for now!

[smoothdaddy]

Welcome to the 60 day club!

[dasmom]

Congratulations! It's all coasting from here going forward

dasmom