Just want to vent. Maybe someone can tell me it's ok and not to worry if that's the case.
It just seems the guy was too busy to take the case or something. When we first met 5/17 i told him i was going to file. I would stop paying cards and that would pay his Fee. At that time i gave him list of creditors, Credit report pulled that day, 2 years tax, and one month paystubs. Called 2x after that to touch base.
Met again to pay 6/13. Provided all necessary paperwork. He said 2-3 weeks to file. I heard nothing from him so called 7/7. Got a return call 7/8 and was told to call Monday 7/11 and we would shedule a meeting late in the week to go over everything. I stressed how important this was for me to get moving and waiting is driving me crazy, asked for early in the week meeting - he complied and we met 7/12.
First thing he asked was have i completed the course. I stated per our original conversation that was included in his Fee and i have been waiting for instructions. He said "oh yeah" and call tomorrow for his code. Next thing i noticed (and this puzzled me becuase he called the previous day asking questions like 1st mtg and previous employer) he was obviously getting my credit report - which made me think he had not even looked at my case since we met! On the forms he had some items listed 3x, he had my name spelled incorrect, my main bank acct was not listed.
After we cleared up the issues i left feeling ok. The next day i called and got his code. Had some problems registering, called and he told me he was not certain if they billed him or not - i should pay and he would reimburse. No worries, easy test, completed and certificate sent. I then called and asked if he would file that day or Thursday - Not friday. He replied "how about saturday?" i said i would prefer earlier but...okay.
I have not heard back. I called today and left msg for status. No response.
My main concerns: I stopped paying in Cards in may. As time goes by more black marks hit the report. The sooner i file it's just one black BK instead of the numerous.
Here is a biggie. I am including 3 vehicles i plan to keep. 2 are mine, one is my Mothers, but in my name. All are about even in equity, actually depending on valuation could have equity. As time goes on i still have to make payments, this bringing down balance and possibly making the difference more glaring to the trustee.
I am trying to time the 341 to where i have little to NO money in Bank Acct. There are times in a month, after just being paid and and bills not yet due that i may have $2500. I do not want to show up at that meeting with $2500 in my acct.
Am i over-reacting? it just seems that he said 2-3 weeks and today marks week 6!!!
It just seems the guy was too busy to take the case or something. When we first met 5/17 i told him i was going to file. I would stop paying cards and that would pay his Fee. At that time i gave him list of creditors, Credit report pulled that day, 2 years tax, and one month paystubs. Called 2x after that to touch base.
Met again to pay 6/13. Provided all necessary paperwork. He said 2-3 weeks to file. I heard nothing from him so called 7/7. Got a return call 7/8 and was told to call Monday 7/11 and we would shedule a meeting late in the week to go over everything. I stressed how important this was for me to get moving and waiting is driving me crazy, asked for early in the week meeting - he complied and we met 7/12.
First thing he asked was have i completed the course. I stated per our original conversation that was included in his Fee and i have been waiting for instructions. He said "oh yeah" and call tomorrow for his code. Next thing i noticed (and this puzzled me becuase he called the previous day asking questions like 1st mtg and previous employer) he was obviously getting my credit report - which made me think he had not even looked at my case since we met! On the forms he had some items listed 3x, he had my name spelled incorrect, my main bank acct was not listed.
After we cleared up the issues i left feeling ok. The next day i called and got his code. Had some problems registering, called and he told me he was not certain if they billed him or not - i should pay and he would reimburse. No worries, easy test, completed and certificate sent. I then called and asked if he would file that day or Thursday - Not friday. He replied "how about saturday?" i said i would prefer earlier but...okay.
I have not heard back. I called today and left msg for status. No response.
My main concerns: I stopped paying in Cards in may. As time goes by more black marks hit the report. The sooner i file it's just one black BK instead of the numerous.
Here is a biggie. I am including 3 vehicles i plan to keep. 2 are mine, one is my Mothers, but in my name. All are about even in equity, actually depending on valuation could have equity. As time goes on i still have to make payments, this bringing down balance and possibly making the difference more glaring to the trustee.
I am trying to time the 341 to where i have little to NO money in Bank Acct. There are times in a month, after just being paid and and bills not yet due that i may have $2500. I do not want to show up at that meeting with $2500 in my acct.
Am i over-reacting? it just seems that he said 2-3 weeks and today marks week 6!!!
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