What can I do AFTER the 341 hearing?

[pavlikclan]

So I know prior to the 341 hearing no big purchases for luxury items. No paying anyone back particularly insiders etc. etc. Shouldn't have a ton of money in accounts etc. So what about AFTER the 341 hearing and before discharge? What can and can't we do?

[AngelinaCatHub]

The best thing you can do is not go back into debt. Bk is not a free ticket. Relax, have a wine, review a budget and live by it. You are about to change your whole life style, so start getting used to it. Because you have no debt at this point, start to save an emergency fund. Plan where to cut costs. Get a pay as go cell phone, basic cable. Enjoy the family in a quiet realm, and chill out until your discharge.

Be more specific. What is it you wish to do? 'Hub

[pavlikclan]

Nothing major certainly not go back into debt I tried to avoid that as much as possible last time. I avoided it fairly well......instead of filing on 40 or 50 k in unsecured CC debt I'm filing on 15 how sad is that? The only thing I really WANT to do is begin paying my parents back the money I owe them ASAP. They are elderly they live on social security and they gave us their last little bit of savings to help with my husband's other legal matters. We are planning on including our insane cell phone plan in the bk and also our satellite dish for the tv to get out of the contract. I may switch back to dish network if after everything else i think we can swing it but that won't be done right away. They are cheaper by a long shot than Directv. We cannot get any cable here no one offers it.

Aside from that we are looking to pay our bills (house, utilities) tuck some cash away into savings and eventually start a different savings plan (not the emergency fund) for home improvements. Our house needs some work done on it and pay for said work only after we've saved the money to get it done.