Filed 07/14/2006

[Danielle1981]

Well I finally got enough money to go and file. I hope this goes over okay....I am so nervous. I did receive this notice in the mail that says meeting of the creditors and I have that on August 11th.

Does anyone know what happens at this meeting? I don't have anything they can take....or worth taking.

[Minnymouth]

Go under search on this forum and key in 341 meeting...... read some of the threads about the others and their experiences.......

[Danielle1981]

Can I find a general time line anywhere here? I'm looking for one but can't find one.

[keepmine]

The vast majority of 341 meetings are routine and painless. It should last about 5 minutes.
You'll be placed under oath and asked a series of questions that will require a yes or no answer.
Ex {from my 341} Does anyone owe you money? Do you have any litigation pending? Is the information on the forms correct? etc.
BTW, when asked a "yes or no question" respond in that manner. No "yes but" answers. Trustees are not bashful. If they want you to expand on the answer, they'll ask further questions.
Just try and relax, be cooperative and you'll be done in a few minutes.

[lrprn]

Can I find a general time line anywhere here? I'm looking for one but can't find one.

Here's a typical timeline for a Chapter 7 bankruptcy filing - http://www.totalbankruptcy.com/chapt...y_timeline.htm

Here's a typical timeline for a Chapter 13 - http://www.totalbankruptcy.com/chapt...y_timeline.htm

Just click on the timeline "ruler" to move it along and see what to expect or watch out for during each timeframe.

Hope this helps! Be sure to ask any questions you have after looking at these.

Hang in there - as you've already been told, 341 meetings are almost painless and last less than five minutes. Just be sure to bring along a picture ID and proof of your social security number plus anything else your instructions from the trustee tells you to bring. It will be over before you know it and you'll wonder what you were worried about!

[Danielle1981]

I hope you are right. I've been freaking out a little because I think great what if this guy wants to take some of what I just got (I had nothing just a little bit ago literally) but then I start to think about it and brand new it cost me less than 3K to get just some junky furniture in the apartment which I got from the tax money....but then again it's scary because everything I have I really couldn't afford to part with.

Anyway thank you both so much for your help.


ETA: Ooops.....Thank you all three......