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    #1

    341 today

    Well its finally here and I can say I'm just a little bit more than scared
    My husband finally made it home this morning at 3:00 am from a trip, scared me to death that he wouldn't get here I woke up when he climbed in bed and we chatted a bit about our meeting today. I have done all the leg work, paperwork, you name it and all he has had to do is show up. His attitude about this meeting concerns me after our conversation early this morning. He seems to think we have a say in how we get to file and should not let them "push" us around I thought he was LISTENING in the meetings with the lawyer! He has been quite through this whole thing so far and our conversation last night just proves to me that we should have communicated more about what we are going through, but he never wanted to talk about it much. I explained to him the importance of this meeting and we are at the mercy of the trustee. I told him this was not a day to agrue with the trustee and to give short and honest answers and that we would decide later this morning who answers what before the meeting.
    I'm sure he will do just fine but very surprised at how his view was on our bk after talking and it worries me a bit. Of course I am worried bout everything this morning! Will let ya all know how it goes once we get back.
    9/28/06: Filed Chapter 7
    10/25/06: 341 meeting Done!
    12/25/06: Last day for objections.... Dear Santa, can we have a bk discharge for Christmas please?
    1/12/07: Discharged & closed!!
    Tags: None
    #2
    Hi Inlimbo. Good luck today. You both should know that you don't get much of a choice who answers what because you both have to answer all the questions. Also, I hope your husband can sit humbly in front of the Trustee and realize that the Trustee can do exactly that-push you around-hopefully that's not the case. I wish you well today. Crossing fingers that all goes smooth for you. keep us updated.
    Filed: 08/09/06
    341: 09/18/06
    Discharged: 11/22/06
    Closed 11/30/06

    Comment

      #3
      Good Luck, InL!! Hope all goes well today!!
      Filed Ch 7 - 09/06
      Discharged - 12/2006
      Officially Declared No Asset - 03/2007
      Closed - 04/2007

      I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

      Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

      Comment

        #4
        It's over!! The atmosphere was very relaxed and I wasn't too nervous after all. It's so ironic, but my husband is the one the trustee questioned the whole time. He has about 5 rifles and 5 shot guns and that is what the trustee was concerned about. He thinks they are worth more then listed and told our attorney he would get with him on the value of the guns. ya know we don't have much at all and I never imagine the guns would even be a issue well our attorney said the trustee may have them appraised and if so, he thinks we have enough exemptions to take care of it. Other then that, our meeting when quite well. Thanks goodness its over and thanks for the good wishes!
        9/28/06: Filed Chapter 7
        10/25/06: 341 meeting Done!
        12/25/06: Last day for objections.... Dear Santa, can we have a bk discharge for Christmas please?
        1/12/07: Discharged & closed!!

        Comment

          #5
          OM goodness, your last date for objections is Christmas! I hope you get a nice Christmas gift and all! How much did you evaluate the rifles and shotguns, if you don't mind me asking. How do you evaluate items like this? Use pawn shop prices?

          Comment

            #6
            Originally posted by Kam View Post
            OM goodness, your last date for objections is Christmas! I hope you get a nice Christmas gift and all! How much did you evaluate the rifles and shotguns, if you don't mind me asking. How do you evaluate items like this? Use pawn shop prices?
            I know, Christmas, can you believe that?? what a bummer!
            My husband and attorney came up with 100.00 each, which totaled 1000.00 for the guns. We have no idea how to come up with a value for those guns, alot of them were given to my husband after his brother died at the age of
            16, but the trustee seems to think they may be worth much more than that.
            9/28/06: Filed Chapter 7
            10/25/06: 341 meeting Done!
            12/25/06: Last day for objections.... Dear Santa, can we have a bk discharge for Christmas please?
            1/12/07: Discharged & closed!!

            Comment

              #7
              Hm. You could always take them to a pawn broker and ask what you would get for them. You could also look in online gun classified ads, etc. or see what they would go for on Ebay. Any ammo shop would know about trade magazines you could look in.

              Comment

                #8
                I think guns can be tricky because even if they are old, as long as they are in decent working shape, the resale value remains high. Some guns even go up in value. Hopefully it won't be a problem for you guys! Let's hope the Christmas spirit keeps those creditors away and no objections turn it into the best gift of all!

                edited to add: let us know how the gun situation resolves. We have a few guns to deal with too.

                Comment

                  #9
                  Originally posted by Emmy View Post
                  I think guns can be tricky because even if they are old, as long as they are in decent working shape, the resale value remains high. Some guns even go up in value. Hopefully it won't be a problem for you guys! Let's hope the Christmas spirit keeps those creditors away and no objections turn it into the best gift of all!

                  edited to add: let us know how the gun situation resolves. We have a few guns to deal with too.

                  Thanks so much for the wishes Emmy! That would be a wonderful Christmas gift!!
                  This gun thing does have me worried, only because it would just kill my husband for him to have to give any of them up. Like I said, alot of these guns have been given to him (after his brother passed away) and have sentimental value to him and he doesn't care how much they are worth. We can only sit and wait now and see what the trustee chooses to do. Ya know, I thought the trustee was going to bring up so many things concerning our expenses and such because we are over the income, but he didn't mention a thing about any of that stuff I will keep you updated on the gun situation and good luck to you also!
                  9/28/06: Filed Chapter 7
                  10/25/06: 341 meeting Done!
                  12/25/06: Last day for objections.... Dear Santa, can we have a bk discharge for Christmas please?
                  1/12/07: Discharged & closed!!

                  Comment

                    #10
                    Congrats, InL!! Sounds like over all, your 341 went well.

                    Seems like in general, Trustees are finding something to nit pick about. We got pegged for our income taxes next spring.

                    Hope the appraisal works out for you!!

                    Welcome to the 60 Day Club!!
                    Filed Ch 7 - 09/06
                    Discharged - 12/2006
                    Officially Declared No Asset - 03/2007
                    Closed - 04/2007

                    I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

                    Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

                    Comment

                      #11
                      Originally posted by SinkingFast View Post
                      Congrats, InL!! Sounds like over all, your 341 went well.

                      Seems like in general, Trustees are finding something to nit pick about. We got pegged for our income taxes next spring.

                      Hope the appraisal works out for you!!

                      Welcome to the 60 Day Club!!
                      Thanks so much SF, hope it's not a long 60 days
                      We looked in a gun book and they ran from 300.00 ea to 1000 or more ea and most of my husbands guns was running around 500 to 600 ea. but now that was for a new gun, it could be more for an older gun We honestly had no idea, was only going by the value of if we had to sell them like at a yard sale or very quickly. Well here's hoping the trustee reviews this again and decides it's not worth the apprasial...yeah right
                      So sorry about your income taxes, here's hoping for a smooth sail through your 60 days also!
                      9/28/06: Filed Chapter 7
                      10/25/06: 341 meeting Done!
                      12/25/06: Last day for objections.... Dear Santa, can we have a bk discharge for Christmas please?
                      1/12/07: Discharged & closed!!

                      Comment

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