ok update

[okra77]

Just left 341 meeting and here is where we stand. There was a discrepency on health ins. We used to pay through employeer. Now we pay private policy. Also, the truck we were surrenderingwas included in our auto expences. The trustee said it would be a continuation unless ammended by our attorney. Do we need to be worried?

[TXskyblue]

Depends on if your attorney amends the petition.

Are you close on the means test? Is the health insurance issue going to negatively affect your means test?

[okra77]

She reassured us that we would not have to come back. She said she would amend it as for the means test the difference between what was stated and what we pay is 73.71 so I am not sure that will make or break us on the means test. I am scared to death.

[justbroke]

You just need to work with your attorney and let your attorney provide the counsel for which you are paying. I can't tell whether the amount(s) place your case in Chapter 13 territory. I would not "worry" or be scared. Your numbers are what they are. I would not worry about the language used either. A continuance just means the meeting is set for another date. Filing amendments quickly would allow the Trustee to "conclude" your 341 Meeting.

Your discharge would still come 60 days from today (your 341 Meeting date), unless the United States Trustee did not like your numbers and sought to extend the time to greater than 60 days, or to dismiss your case. I would not worry about that at this time. Concentrate on working with your attorney, getting the amendments, and having your attorney explain everything to you.

[okra77]

I just hope our attorney fixes what ever it was. Cause i am stressed the trustee told here that the case would be continued unless the amendment was filed. So i guess she knows what he needs. Stressed to the max.

[justbroke]

No need to stress. If the Trustee said "amendment" that's just a correction. The difference between continued and an amendment are nothing to worry about. The difference is whether you get another 341 Meeting (a continuance) or the changes (amendments) are done quickly and another 341 Meeting is not required. Don't concentrate on those words (amendment, continuance).

Concentrate on following up with your attorney tomorrow and asking if there is anything you need to do. At that time you can also ask whether the amendment would "materially" affect your case. I am thinking that it does not.

[okra77]

Yes i am hoping it does not make us a chapter 13. She has never mentioned that it might. How long do they have to make the amendments so that we will not have to make another apperance.

[justbroke]

Yes i am hoping it does not make us a chapter 13. She has never mentioned that it might. How long do they have to make the amendments so that we will not have to make another apperance.

Usually measured in days, not weeks.

[okra77]

I did like you guys said offered any info to help attorney. They sent in amendmenta today it shows up on pacer that amendments are in. Have one question though on the financial course deal it says a date under terminated not satisfied. What is that about? Thanks all you guys for the help alao we are still under on the means test.

[TXskyblue]

It means you need to do your post-petition debtor education class. If you've already done it, it means your attorney has not filed it yet. My attorney filed mine about a week after my 341.

[okra77]

Thats where i am confused i have completed it and it has been filed. It was through solid start financial.

[okra77]

Is it inappropriate for me to call the trustee office and ask

[justbroke]

Is it inappropriate for me to call the trustee office and ask

Yes, it is inappropriate. You should ask your attorney. Please remember, that there are two classes. The first is done prior to filing, and the second class, the financial management class, is done after filing (but before discharge).

If you are looking at PACER, you should see Official Form B23 and something stating that you filed the course. You could also look in PACER at your "Flags" under your Case Summary link. If there is a flag reading DEBTED, then it has not been filed.