Woo! I am done with my 341!
I just got back from my 341 meeting.
It was pretty simple. Lots of questions - the trustee guy reads them off a list and checks them off.
He did ask about my California drivers license and asked when I had lived there so I gave him that info. I told him I don't have a car here and don't drive here so I hadn't remember to get it changed yet. (I will now! ). He didn't seemed concerned about it. Just the dates that I had moved (because of that 2 year rule thingy for state residence.)
He asked about my taxes - if I got a refund this year for last year. I didn't - I owe big time.
He DID ask for my statements for my cc's to see the payments I had made and was a bit noisy about my cc use around that time and my lawyer had them. He asked if I was still using the cards when I made my "big" payments (this being the "have you made payments to any creditor in the amount over $600 in the 3 months prior to file?). That worried me a bit because I knew I was "in the clear" for any cc use within that date range - my lawyer made sure of that. Hello, I think I should be commended for never having missing a payment - talk about nosy.
I answered No to alot of the questions because I am a No Asset (no house, property, car).
They ask you to recite your address at the beginning.
They ask about your income (technically I don't have any because I am unemployed but I still have some money left in my checking account).
But I would say (depending on your individual situtation) that 90% of the questions you will answer Yes or No too and depending on the question you might not have to provide any other details.
Here are some of the questions I can remember. They ask:
are you single, divorced etc.
If you own any property, car
do you have any income
Whether you owe anyone else money
Whether anyone owes YOU money (ha! my bf owes me at least $700 but I didn't say anything about it - mostly because he has no money either)
Whether anyone is going to die and leave you any money in the next year after the discharge
Do you have a life insurance policy you can cash in to pay your debts
Do you have a 401K or pension that you have money in
Did any family members give you any money
Do you have any children that you pay support for
Hmm, can't remember any more - I would say there was about 15 questions maybe. I know a few people that went before that answered yes to the the car and property questions that to provide more info on those..
There was one couple there that they didn't even have their SSN's - the lawyer didn't even seem like he knew it! That seemed a kinda bad. Shouldn't you be able to find out what it is at least? even if you don't have your card. How did they fill out their paperwork with no SSN's?
It wasn't really crowded where i went. There were two other debtors there that my lawyer was representing (all women!) We were the last group of the day. My lawyer said that everything looked OK for me - no problems and I just need to do the pre-discharge class. (and call Verizon because they haven't shut off my phone yet and I don't want them to charge me for the any calls made after I filed)
So I guess everything went OK. The acoustics in the room were bad and the trustee dude mumbled so I had a hard time hearing the other cases for the most part. Even when I was up there I had to lean forward a bit to make sure I heard him (I have bad hearing though with hearing aids).
The fun part for me is that it was in a old big building downtown that I haven't been in before and I remember thinking a few weeks ago waiting for the bus across from it - "That place totally looks haunted!" It is very large and old. I didn't even realize until I got off the bus to go there that it was "my haunted building" and than I was thinking "Cool! I get to go in the big creepy building!" And I will say it did seem a bit off inside. Ha ha!
It was pretty simple. Lots of questions - the trustee guy reads them off a list and checks them off.
He did ask about my California drivers license and asked when I had lived there so I gave him that info. I told him I don't have a car here and don't drive here so I hadn't remember to get it changed yet. (I will now! ). He didn't seemed concerned about it. Just the dates that I had moved (because of that 2 year rule thingy for state residence.)
He asked about my taxes - if I got a refund this year for last year. I didn't - I owe big time.
He DID ask for my statements for my cc's to see the payments I had made and was a bit noisy about my cc use around that time and my lawyer had them. He asked if I was still using the cards when I made my "big" payments (this being the "have you made payments to any creditor in the amount over $600 in the 3 months prior to file?). That worried me a bit because I knew I was "in the clear" for any cc use within that date range - my lawyer made sure of that. Hello, I think I should be commended for never having missing a payment - talk about nosy.
I answered No to alot of the questions because I am a No Asset (no house, property, car).
They ask you to recite your address at the beginning.
They ask about your income (technically I don't have any because I am unemployed but I still have some money left in my checking account).
But I would say (depending on your individual situtation) that 90% of the questions you will answer Yes or No too and depending on the question you might not have to provide any other details.
Here are some of the questions I can remember. They ask:
are you single, divorced etc.
If you own any property, car
do you have any income
Whether you owe anyone else money
Whether anyone owes YOU money (ha! my bf owes me at least $700 but I didn't say anything about it - mostly because he has no money either)
Whether anyone is going to die and leave you any money in the next year after the discharge
Do you have a life insurance policy you can cash in to pay your debts
Do you have a 401K or pension that you have money in
Did any family members give you any money
Do you have any children that you pay support for
Hmm, can't remember any more - I would say there was about 15 questions maybe. I know a few people that went before that answered yes to the the car and property questions that to provide more info on those..
There was one couple there that they didn't even have their SSN's - the lawyer didn't even seem like he knew it! That seemed a kinda bad. Shouldn't you be able to find out what it is at least? even if you don't have your card. How did they fill out their paperwork with no SSN's?
It wasn't really crowded where i went. There were two other debtors there that my lawyer was representing (all women!) We were the last group of the day. My lawyer said that everything looked OK for me - no problems and I just need to do the pre-discharge class. (and call Verizon because they haven't shut off my phone yet and I don't want them to charge me for the any calls made after I filed)
So I guess everything went OK. The acoustics in the room were bad and the trustee dude mumbled so I had a hard time hearing the other cases for the most part. Even when I was up there I had to lean forward a bit to make sure I heard him (I have bad hearing though with hearing aids).
The fun part for me is that it was in a old big building downtown that I haven't been in before and I remember thinking a few weeks ago waiting for the bus across from it - "That place totally looks haunted!" It is very large and old. I didn't even realize until I got off the bus to go there that it was "my haunted building" and than I was thinking "Cool! I get to go in the big creepy building!" And I will say it did seem a bit off inside. Ha ha!
* Discharged 8/25/09!
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