I met with the attorney who is also a Trustee today. He was very nice, friendly, down to Earth and fun to talk to. He said he is usually rather conservative with his clients, but he sees no problems with my case. I qualify for Ch.7 and the house and truck can be exempted easily, he said. No need for a market analysis by a realtor. He said using Edmonds.com value for the truck value is absolutely fine. He also said getting estimates in writing for needed repairs would help.
He said we have no rush to file in my case, and that it's ok to buy a different vehicle and trade my truck in. I suggested waiting the 90 days because I had used my cards recently (Kohl's & Old Navy) and he said he didn't think Kohl's or Old Navy would come after me, lol...but that we could wait to file.
Another good thing is that he told me that my credit union won't kick me out unless I cause them a loss, which is also what they told me.
So he gave me some paperwork to fill out and some necessary documents I need to submit to him, and then I will give a $300 retainer. His fee is only $1200, and with filing cost and required debtor education, it will total around $1600.
When I told him that another local attorney mentioned Trustees being cranky, he said that he gets cranky with the attorneys who are not properly representing their clients and giving them a raw deal.
He was impressed with how much research I've done and was STILL joking around about if I wanted a job, lol.
He really put my mind at ease and I'm so glad I met with him and have found an attorney who has concrete answers instead of "hmm, maybe, I don't know" answers.
He said we have no rush to file in my case, and that it's ok to buy a different vehicle and trade my truck in. I suggested waiting the 90 days because I had used my cards recently (Kohl's & Old Navy) and he said he didn't think Kohl's or Old Navy would come after me, lol...but that we could wait to file.
Another good thing is that he told me that my credit union won't kick me out unless I cause them a loss, which is also what they told me.
So he gave me some paperwork to fill out and some necessary documents I need to submit to him, and then I will give a $300 retainer. His fee is only $1200, and with filing cost and required debtor education, it will total around $1600.
When I told him that another local attorney mentioned Trustees being cranky, he said that he gets cranky with the attorneys who are not properly representing their clients and giving them a raw deal.
He was impressed with how much research I've done and was STILL joking around about if I wanted a job, lol.
He really put my mind at ease and I'm so glad I met with him and have found an attorney who has concrete answers instead of "hmm, maybe, I don't know" answers.
Waiting for February 14 2011, date objections due. 
-- but still only a few GRR!!! moments throughout the process.
12/14/10 - Filed Chapter 7, 02/09/11 - 341 Hearing, 04/14/11 - 
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