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 this afternoon - 01/12/11 - Western WA

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

  • 341 this afternoon - 01/12/11 - Western WA

    I am wide awake LOL and have been for hours. Just going through my papers & petition one (or twelve!!) more time(s).

    We are in the 1 pm session but plan to be there for some of the 11 am session so we can get a feel for the Trustee and then go grab a coffee before meeting our attorney at 12:30.

    Trust me, I will post our results and give ya the scooby on all that we are able to observe as soon as we get home! Any spare good mojo, karma, prayers, finger crossing, etc. will be very welcome!!
    ~~ Filed Over Median Income Chapter 7: 12/17/2010 ~~ 341 Held: 1/12/2011 ~~ Discharged: 03/16/2011 ~~
    Not an attorney - just an opinionated woman.

  • #2
    I've definitely got my fingers crossed for ya and hope you have a very successful 341!!!

    Best of luck!!
    Filed Chapter 7, Pro Se: 12/23/2010
    341 Meeting: 01/26/2011
    Discharged: 03/29/2011

    Comment


    • #3
      Here's hoping for a speedy 341 for you, ValleYum!
      Chapter 7 filed 10/8/10...341 Meeting 12/6/10....Discharged 2/16/2011....Case Closed! 3/1/2011

      Comment


      • #4
        Valle!!!! BEST of luck to you!!! i know it will go perfect!!!!

        can't wait to hear what happens!
        8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

        Comment


        • #5
          Good luck to you! I bet you will do fine.
          "To go bravely forward is to invite a miracle."

          "Worry is the darkroom where negatives are formed."

          Comment


          • #6
            Sending good vibes!

            Comment


            • #7
              Wishing you the best and sending you positive mojo. I am in western washington too so I am really interested to see how it goes.

              Comment


              • #8
                You'll do fine - fingers crossed for 'ya!
                Filed Ch 7 Pro Se 11-18-2010 341 Meeting 12-16-2010 Discharged 2-15-2011
                New Job 7-2011

                Comment


                • #9
                  Wishing you the best and waiting on the scooby.
                  There are two secrets for success in life:
                  1.) Never tell everything you know.

                  Comment


                  • #10
                    ACKKKKK.... I fell down and i CAN'T get up. CUZZZZZZ I have everything crossed.
                    You'll do great!!!
                    filed: 8/10 ...341:10/8/10 ... Discharged & Close: 12/9/10
                    "Nothing is easy to the unwilling" Thomas Fuller

                    Comment


                    • #11
                      Good Luck!!!
                      "I DECLARE BANKRUPTCY!" Ch 7 Filed 7/15/11 * 3 Minute 341 8/19/11 * Discharged 10/20/11

                      Comment


                      • #12
                        Will be sending good vibes your way. I bet it will go great. Ours did and were were there just yesterday. ( Western Washington)

                        Looking forward to reading the results later.
                        + Filed 12/06/10 + 341 1/11/11 + Discharge set 3/14/11 We can't go back and make a brand new start, We can start now and make a brand new ending" "People who don't have Control of their cash flow make people who do rich."

                        Comment


                        • #13
                          Wishing you a smooth 341, looking at the clock and seeing that it's about coffee time! Soon you'll be back reporting nothing but good things
                          Filed pro se, made it through the 341, discharged, Closed!!!

                          Comment


                          • #14
                            I feel like it went SUPER!!!! WooHoo!!!!!

                            Group of 12 cases - so our meeting room was pretty full. We all became good friends while taking our belts and shoes off in the tiny vestibule of the Federal Building here. It was a bonding experience.

                            Hubby and I were the first in the room.

                            Trustee was chatting with another attorney - we overhead mention of a couple of "very interesting" cases for the hour. My heart went through the floor but I also whispered to hubby that it could be interesting to watch just as long as it wasn't us.

                            When the hour was just about to get underway - he called out to the 2 attorneys (for the "longer cases") and told them they'd be going last. He said he was going to do the easy ones first and they should take 3-5 minutes each. Then he had a few others that would be a minute or 2 longer and then they would have all the time they needed to handle their detailed cases and any questions.

                            First person called was a single woman (early to mid 60s). She had an attorney.
                            She handed her ID to the Trustee, then was sworn in.
                            She was asked to state her name and address for the record.
                            She was asked if she had read the Trustee's handout.
                            She was asked if the info she had provided for her petition was true and accurate at that time.
                            She was asked if it was still true and accurate today.
                            Asked if she had given money in the past year to a family member.
                            Asked if she had given property in the past 2 years to anyone.
                            Had she previously filed for BK.
                            Did she expect any inheritances.
                            Did anyone owe her any money (other than Joe Blow whose BK will be discharged in 2 days)
                            Asked if she provided Domestic Support to anyone.
                            What she was going to do regarding real estate in 2 Oregon towns. (one going to son and she was keeping the other - he asked if she was current on the payments on the property she was keeping).
                            Trustee asked if there were any creditors here for this case. No one was there for her.
                            Trustee then said "I am going to declare this a No-Asset case. You are free to go".
                            We heard her say once she got out into the hall to her attorney - "That was all??"

                            Next was a young married couple (early 30's). They were represented by our attorney.
                            They handed their IDs to the Trustee, then were sworn in.
                            He asked them to state their names for the record and for only one of them to provide their address for the record.
                            They were asked if they had read the Trustee's handout.
                            They were asked if the info they had provided for their petition was true and accurate at that time.
                            They were asked if it was still true and accurate today.
                            Asked if they had given money in the past year to a family member.
                            Asked if they had given property in the past 2 years to anyone.
                            Had they previously filed for BK.
                            Did they expect any inheritances.
                            Did anyone owe them any money.
                            Asked if they provided Domestic Support to anyone.
                            What they were going to do regarding home. (they said keep it - trustee asked if they were current on the house payments).
                            When did they purchase Vehicle 1? When did they purchase Vehicle 2?
                            Trustee asked if there were any creditors here for this case. Their vehicles' notes were held by a local CREDIT UNION. So they had their reaffirmation papers for them and had separated it away from their CC they were BK-ing)
                            Trustee then said "I am going to declare this a No-Asset case. You are free to go".

                            THEN IT WAS OUR TURN....
                            Married couple (late 40's). We were represented by our attorney.
                            We handed our IDs to the Trustee, then we were sworn in.
                            He asked us to state our names for the record and for one of us to provide their address for the record.
                            We were asked if we had read the Trustee's handout.
                            We were asked if the info we had provided for our petition was true and accurate at that time.
                            We were asked if it was still true and accurate today.
                            Asked if we had given money in the past year to a family member.
                            Asked if we had given property in the past 2 years to anyone.
                            Had we previously filed for BK.
                            Did we expect any inheritances.
                            Did anyone owe us any money.
                            Asked if we provided Domestic Support to anyone. (Yes - attorney had the form there for Trustee - I had the form too!)
                            What we were going to do regarding home. (We said we're midst of attempting to get a modification from Chase - trustee said that if this was not going well during the next 60 days that I could contact my attorney and that they would arrange a short sale contract for us so that our credit 'wouldn't be dinged twice'. We were NOT asked if we were current on the house payments - we aren't - we missed 3 payments so Chase would offer a modification and as of today are 4 behind).
                            When did we purchase Vehicle 1? When did we purchase Vehicle 2?
                            Trustee asked if there were any creditors here for this case. NONE!!
                            Trustee then said "I am going to declare this a No-Asset case. Remember to get in touch with your attorney so he can get with me (in the next 60 days) if you want us to short sale your home. You are free to go".

                            Sorry it took me so long to post - we stopped at our favorite teriyaki place for a late lunch early dinner - came home cracked open a bottle of wine (Reisling pairs nicely with the chicken teriyaki). Apparently after lunch, I fell asleep in my chair and only woke up when my mom called to see how things went. LOL

                            ETA: Not one question about the utilities ($700 worth) I had charged in September.

                            Not one question about our Means Test or Schedule I or J. We were over Median income.

                            Now to just sweat it out until Monday, 1/24, to make sure we don't have a UST objection to our means test or Schedule I or J.

                            I went in there knowing I was well prepared. I walked out weighing at least 2 tons less than when I went in.

                            The short sale thing was interesting - first time I have heard that mentioned when reading on here about 341 meetings.
                            ~~ Filed Over Median Income Chapter 7: 12/17/2010 ~~ 341 Held: 1/12/2011 ~~ Discharged: 03/16/2011 ~~
                            Not an attorney - just an opinionated woman.

                            Comment


                            • #15
                              Wow, Valle, very good reporting on the 341 there ;)
                              Congrats on making it through smoothly!!
                              Oh, have a glass of Riesling for me too!
                              Filed pro se, made it through the 341, discharged, Closed!!!

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X