Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

341 coming up soon and I am a wreck.

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • 341 coming up soon and I am a wreck.

    I am just really stressed out, I keep having doubts about everything that I do when it comes to the BK. I am so scared that the 341 will be rescheduled and I will have to pay more money out. If it is re-scheduled for some reason do we have to attend? I am freaking out because I misplaced one of the titles to a car after I gave a copy to our lawyer and I don't know if I will need it at the meeting since it is paid off and exempted.

    Also if everything has been exempted can the trustee still go after it?



    We are going to the Eastern District of Michigan for the meeting, any insight on the trustees there?

    Okay.....deep breath......

  • #2
    Chill out. Everything will be ok. Let the lawyer do their job.
    All information contained in this post is for informational and amusement purposes only.
    Bankruptcy is a process, not an event.......

    Comment


    • #3
      Originally posted by bakergrl View Post
      I am just really stressed out, I keep having doubts about everything that I do when it comes to the BK. I am so scared that the 341 will be rescheduled and I will have to pay more money out. If it is re-scheduled for some reason do we have to attend? I am freaking out because I misplaced one of the titles to a car after I gave a copy to our lawyer and I don't know if I will need it at the meeting since it is paid off and exempted.

      Also if everything has been exempted can the trustee still go after it?



      We are going to the Eastern District of Michigan for the meeting, any insight on the trustees there?

      Okay.....deep breath......
      As "Frogger" said, chill out. You are taking this all to serious. (not that we didn't then). Do a search on 341's and you will be relieved.

      Here is the major dangers: Dishonesty. If you have been right on, you have no problem. Transfers to relatives or friends. Payments to one account not evenly disbursed to other accounts (favored payments).

      That is all. Just give your name, SS# and answer yes or no and you will be out of there in 5 to 15 minutes.

      That being said, protect your health both physical and mental and stop your worry. 'Hub
      If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

      Comment


      • #4
        I too was worried because being over the median. In my 341 the UST even got involved, but answer truthfully, everything will just go smooth.
        This Forum is better than any lawyer I met.

        Comment


        • #5
          I had my 341 last week, it was nothing. Don't worry.
          File Date Feb 1, 2010
          341 Mar 8, 2010
          Discharged and closed May 10, 2010
          Being very careful and wise with fresh start!......Living happily ever after since!

          Comment


          • #6
            Originally posted by bakergrl View Post
            I am just really stressed out, I keep having doubts about everything that I do when it comes to the BK. I am so scared that the 341 will be rescheduled and I will have to pay more money out. If it is re-scheduled for some reason do we have to attend? I am freaking out because I misplaced one of the titles to a car after I gave a copy to our lawyer and I don't know if I will need it at the meeting since it is paid off and exempted.

            Also if everything has been exempted can the trustee still go after it?



            We are going to the Eastern District of Michigan for the meeting, any insight on the trustees there?

            Okay.....deep breath......
            The most terrifying part of your Eastern District of Michigan 341 journey is...parking! You have to pick from a meter, surface lot, or structure AND pay for it. Very scary stuff!

            You shouldn't have doubts if you've been honest and you have a confident attorney. Most of us are nervous because BK is new to us. We tend to think we have complex cases. The truth, in the majority of cases, is that they aren't complex. Our attorneys know this and we eventually learn this. Good 'ole hindsight 20/20.

            If your 341 is rescheduled (not likely), there is no additional cost to you. No worries.

            Exempt is exempt. Trustees can't touch rightfully exempt items.

            I brought a handful of paperwork with me to my 341. I didn't need anything other than my SS and driver's license. My attorney provided all necessary documents to the Trustee prior to the 341.

            Here is a link from a fellow Michigander poster 341 inquiry that may be helpful:

            http://www.bkforum.com/showthread.php?t=53378

            Breathe. The 341, for most of us, is an anticlimactic step in the process.

            Hang in there!
            *Filed: September 23, 2009 *341: November 4, 2009 *Discharged: January 4, 2010 *Closed: January 20, 2010

            Hakuna Matata...it means NO WORRIES!

            Comment


            • #7
              Thank you for the replies.

              There is a possibility of an ex spouse showing up because there is a CS order but it is current. If they show up to the court just to cause problems would they be removed from the meeting area?

              Comment


              • #8
                No one will be allowed to make a scene at your meeting just because they feel like it. They do have security and policies for dealing with these things, and have dealt with them before.

                Now, if an ex-spouse, or anyone for that matter, has a legal right to ask questions, they will be permitted to do so. That is also part of the trustee's job. But, sometimes ex's and creditors THINK they have the right to ask anything and everything. They do not. And, usually, the trustee will put an end to pointless shenanigans that are only perpetrated to embarrass you or humiliate you. In that event, the trustee is actually on your side.

                Not because they like you, necessarily, but because those types of delays are wasting the trustee's time and messing up the schedule.

                So, your concerns, while valid, are not something a trustee is likely to tolerate just for an ex's amusement.
                11-20-09-- Filed Chapter 7
                12-23-09-- 341 Meeting-Early Christmas Gift?
                3-9-10--Discharged

                Comment

                Unconfigured Ad Widget

                Collapse
                Working...
                X