I'm so glad I found this board. My husband and I filed beginning of October, after trying credit counseling, which didn't work. I thought we'd be free of worries after that, with creditors not legally able to harass us. Boy, was I wrong! First, it's been a very long month and a half or waiting for the 341 meeting on Friday. It has clogged up my brain with worry for this long. Luckily, I'm on Zoloft to numb me from some of this! Then we had to use the last 3 paychecks to get caught up on our mortgage, leaving us with hardly any money for food and bouncing debits, etc.
I'm very worried about the meeting, as our lawyer has been mia and not helpful at all. She briefly reviewed it with us a long time ago, but has had very little contact with us. I thought considering all the money we paid her, she should be a little more helpful. To make matters worse, the trustee asked for additional paperwork (how we spent our tax refund, etc.). Luckily, we didn't blow it on stupid crap! I really hate how it seems our fate lies in the hands of some trustee, who doesn't know how much we've struggled and how much money we've lost with bounce fees and payday advances. I've been praying for a positive outcome for a long time and get the feeling that this feeling of dread I have won't go away until we finally get the discharge papers. I guess in the end it's all worth it because we've unloaded $60k+ in credit card debt. I will never use a credit card as long as I live.
Any tips on surviving the 341 meeting w/o saying something stupid? I know the trustee is there to grab as many assets as possible and since we have none, I don't want him trying to dig for some. And does anyone have the list of questions they'll ask?
I'm very worried about the meeting, as our lawyer has been mia and not helpful at all. She briefly reviewed it with us a long time ago, but has had very little contact with us. I thought considering all the money we paid her, she should be a little more helpful. To make matters worse, the trustee asked for additional paperwork (how we spent our tax refund, etc.). Luckily, we didn't blow it on stupid crap! I really hate how it seems our fate lies in the hands of some trustee, who doesn't know how much we've struggled and how much money we've lost with bounce fees and payday advances. I've been praying for a positive outcome for a long time and get the feeling that this feeling of dread I have won't go away until we finally get the discharge papers. I guess in the end it's all worth it because we've unloaded $60k+ in credit card debt. I will never use a credit card as long as I live.
Any tips on surviving the 341 meeting w/o saying something stupid? I know the trustee is there to grab as many assets as possible and since we have none, I don't want him trying to dig for some. And does anyone have the list of questions they'll ask?
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