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 meeting tomorrow & so nervous

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

  • 341 meeting tomorrow & so nervous

    I've been handling w/out atty but with paralegal. Anyone
    w/advice would be so appreciated. I filed chap 7 due to 70,000
    credit card debt. My car is leased & up next month. Live in Florida
    where our house is worth 1/2 of whats owed. Husbands not filing.
    my general 341 questions:

    What should I wear? Can I hide under a baseball cap?
    My wedding ring & anniv ring is kindof flashy - does that matter?
    It begins @ 8:30A ..apparently a group goes in?
    Is it pretty much just yes/no answers?
    Anyone else afraid of crying or did tear up & if so, is that normal?

    I can't wait for it to be over & hope for ch7 discharge. The consults w/
    attys said maybe they'll want a ch13 instead but I hope not. Any
    body wants to share their 341 mttg experience..please

  • #2
    Mine was not bad. Worried for nothing. basic questions they ask. Stop worrying.
    Believe me will be over in matter of minutes. I wore casual capri and nice shirt.
    It is more like doctor appointment to me than court hearing. Trustee being the doctor. ask her required ? to do her job, then said thank you, next,
    I had listed my jewerly as costume. One of questions was do you have any expensive jewerly, I said no. ( my diamond ring is probably not worth much) I kept my answer brief yes or no. She wants to move on. I was a little embarassed to be there, but I am sure all were. My attorney did not show up, and
    a stand in showed up 45 mins late, I did not need attorney. wish I would of one filed on my own. Good luck let us know when its over.
    chpt 7 ,5-2009

    Comment


    • #3
      Good luck on your 341.
      Ours is set for 5/19...Florida middle district...crapping bricks here...lol
      Ch.7 filed 4/8/09
      341 5/19/09
      Ch.7 DISCHARGED 8/9/09!

      Comment


      • #4
        Originally posted by br7cat View Post
        What should I wear? Can I hide under a baseball cap?
        Dress normally but many of these are in court buildings and don't allow mid-riff shirts, provocative dress, torn and tattered clothing, offensive wording or logos on shirts, no hats, sunglasses (unless prescribed), etc. Dress to your financial ability if you were going to church or some other less than formal event. I have seen people in everything from work uniforms to suits. I dressed business casual, no watch, little money in pocket.

        Originally posted by br7cat View Post
        My wedding ring & anniv ring is kindof flashy - does that matter?
        Don't wear your anniversary ring. It may not be exempt! Usually your wedding band/ring are exempt.

        Originally posted by br7cat View Post
        It begins @ 8:30A ..apparently a group goes in?
        These rooms are generally open to the public and people usually "enter" the main meeting room 15 minutes before their scheduled meeting. At mine, most waiting in the hall until about 15 minutes before or their lawyer told them to go in.

        Originally posted by br7cat View Post
        Is it pretty much just yes/no answers?
        Pretty much. NEVER ELABORATE. Answer the question succinctly with as few words as possible. Words are what get people in trouble. Stick to yes/no if you can. Don't say "maybe".

        Originally posted by br7cat View Post
        Anyone else afraid of crying or did tear up & if so, is that normal?
        It's actually not that bad. Little nervousness at first, but the questions are mostly benign and have to do with WHAT you put on your filing (papers). Some people have cried, but no need to... it is what it is, at that point. You should go into the room 30-45 minutes before your scheduled time (if allowed) and listen to the other cases being called! You will be surprised that MOST of them are just 5 minutes of yes/no questions and verification of your identification!
        Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
        Status: (Auto) Discharged and Closed! 5/10
        Visit My BKForum Blog: justbroke's Blog


        I am not an attorney. Any advice provided is not legal advice.

        Comment


        • #5
          floridail & justbroke thanks!

          floridail, the Drs appt is a good way to look @ it. Sorry your atty didn't
          show up-that would make me question his fees! Just broke,-thanks for good
          advice on anniv ring & general look. Think I already picked out what to wear & your right..we're all there for the same reason..soo

          1 year ago when I told my brother how much credit card debt I owed he said "shouldn't have given it to you in the 1st place" (in a great supportive way) which is so true cause they only looked @ credit score (3yrs ago) & obviously, I couldn't afford it. Anyway, what he said sums it up.

          Comment


          • #6
            Are people "tuned in" to the discussions? Or are people mostly in their own little worlds? I'm one of those people that gets nervous up in front of a room full of people. I hope trustees don't interpret nervous behavior like shaking and clearing of the throat as hiding anything.
            Attorney Retained 4/27/09
            Projected Ch 7 Filing Oct/09

            Comment


            • #7
              Originally posted by tatt2monster View Post
              Are people "tuned in" to the discussions? Or are people mostly in their own little worlds? I'm one of those people that gets nervous up in front of a room full of people. I hope trustees don't interpret nervous behavior like shaking and clearing of the throat as hiding anything.
              Depends on the people in the room. Most are "listening" trying to see what it's going to be like for them. And, the Trustee (or their designee) is not trying to be "quiet" about it. I mean, the first thing they say after calling you to the table is "is there anyone here in this case" (basically asking creditors to come forward).

              However, even the most prepared person (like myself) is nervous when they get to the table. After the first 30 seconds to 1 minute... you should be fine. You usually have your BACK to the "audience", so you only have to look at the Trustee! Just pretend you're talking to him/her and only him/her, because that's all you're really doing.
              Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
              Status: (Auto) Discharged and Closed! 5/10
              Visit My BKForum Blog: justbroke's Blog


              I am not an attorney. Any advice provided is not legal advice.

              Comment


              • #8
                My 341 meeting was this morning & I was out in 30mins. There were maybe 10 ppl in the room (9 filers & 1 had an atty). It was actually good to see the other filers & it helped me to stay calm (we're in the same boat). I was relieved that only 1 filer had an atty present. The trustee interview took about 8 mins, just yes/no qs. It was so much easier then I built it up to be. Yes, ppl can hear you but if you focus on the trustee, its ok. I'm relieved now- but still anxious about discharge details. Worst case would be a chap 13 & I'd possibly need an atty. Trustees know you don't want to be there & mine did a great job of moving the case along. Good luck to all.

                Comment


                • #9
                  Good for you, br7. I'm curious if you wore your wedding ring? ;>)

                  Also, can you tell me what paperwork you took with you -- bank statements, check stubs, etc.? And did the trustee look at them?

                  Any unusual questions asked, if you recall?

                  Thanks for the info.
                  Last edited by bees; 04-28-2009, 03:30 PM. Reason: adding

                  Comment


                  • #10
                    Congrats on getting it over with!

                    I have some similar questions -- if our 341 is on a week day DH will probably need to be in uniform. Will that look weird or questionable?

                    We will also need to bring our new baby with us -- she is nursing and I could not be away from her for that long. Will that look bad?
                    Ch 7 Filed: 4/27/09
                    341 Meeting: 6/11/09

                    Comment


                    • #11
                      i will have to bring our baby as well....is that allowed? wat if DH just got a new job and they dont let him leave work for a 341? THEN WHAT?
                      waiting to file in july-august,
                      waiting for Chase to begin foreclosure,
                      waiting for cc's to begin lawsuits,
                      just waiting (& "afraid")...

                      Comment


                      • #12
                        If your DH hasn't accepted the job yet, he needs to say when it's offered, "I'll need this day off for a previously scheduled appointment that I can't miss."

                        Comment


                        • #13
                          Originally posted by BkinTX View Post
                          I have some similar questions -- if our 341 is on a week day DH will probably need to be in uniform. Will that look weird or questionable?
                          Some people will "look", but it's not weird. I have seen people in uniform (shop, coverall or other "shirt with name" type uniforms). If he's a police officer, maybe not wear the uniform.


                          Originally posted by BkinTX View Post
                          We will also need to bring our new baby with us -- she is nursing and I could not be away from her for that long. Will that look bad?
                          I believe our District is a no children District. They usually ask you to arrange childcare. Talk to your attorney about this.
                          Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
                          Status: (Auto) Discharged and Closed! 5/10
                          Visit My BKForum Blog: justbroke's Blog


                          I am not an attorney. Any advice provided is not legal advice.

                          Comment


                          • #14
                            Originally posted by BkinTX View Post
                            I have some similar questions -- if our 341 is on a week day DH will probably need to be in uniform. Will that look weird or questionable?
                            Whenever I have things I need to do on workdays, I just bring clothes to change into before I leave work.
                            Filed 5/29/09
                            Discharged 9/14/09

                            Comment


                            • #15
                              He is military. I am sure he will want to change if it's feasible at all.

                              Re: childcare. I can understand why they would have that rule. There's just no way for me to be away from our newborn for that length of time (we have to travel to another city).

                              *sigh*
                              Ch 7 Filed: 4/27/09
                              341 Meeting: 6/11/09

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X