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 questions?

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

  • 341 questions?

    My 341 is coming in a few weeks - I'm drawing complete blanks on what I should be doing now?

    Do I need:

    Current paystubs?
    My hubs has is SS card but it's a laminated copy. His is destroyed. Should we bring something else?
    Bank statements?

    The day we have our 341 it's a payday for me. Is it ok to have that money in the bank? I can't really take it out and spend it b/c it's for my mortgage payment that I'm not paying but saving for rent.

    Anything else??

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

  • #2
    The laminated SS card should be fine - in my district they also take W2 forms - BUT he can go to the local soc security office, and request a replacement card (he'll need other ID - passport, birth cert with drivers license, etc.) and they'll give him a formal SSA receipt showing his name, number, and that he requested a replacement card!!!

    Comment


    • #3
      Hi Freddy,

      Our attorney had us bring SS card, ID and a copy of the petition....nothing else! He said if the trustee asked for anything else we could provide it then. As for DH not having SS card, ask your attorney what else the trustee will accept.

      I wouldn't worry about the paycheck the day of 341, I don't think we had to show anything at all after we filed.

      Comment


      • #4
        We brought nothing other than picture id and ss card. I saw other people present letters from the SS office with their ss numbers, paystubs, and passports as proof of SS number. Good luck!

        Comment


        • #5
          Good luck, Freddy03! I've got mine in less than 2 weeks! Hopefully we'll be out of there without a glitch in 5 minutes like many people have experienced....

          Comment


          • #6
            Drivers license and social security card (mine was laminated as well) should be all. I'd have hubby request a new copy of his SS card just in case - you received good advice above, since SS cards should NOT be laminated, etc.

            Paychecks and paydays only matter at time of filing.

            As for other paperwork to bring...well, I am an Eagle Scout and believe in being fully overprepared. You can check some of my earlier postings if you want my full opinion. In short, I believe the very best answers at a 341 meeting are "Yes," "No," and "I have a copy of that right here."

            Comment


            • #7
              Freddy, You should probably bring what your attorney tells you to bring. Mine had me bring just my driver's license and SS card.

              Comment


              • #8
                Freddy

                I took a complete file with me. I never used one document. The trustee did ask to see the CMA on my house which my attorney handed him. I was advised just to bring SS and license however, I had high med expenses and was waiting to get questioned.......LOL so I brought proof that I had Crohns disease and figured if I was gonna bring that, might as well bring the rest!

                My attorney told me the trustee here in PA never looked at one bank statement, it was amazingly short and simple as pie.

                You are going to be fine , take what you feel comfortable with and best of luck !!!!!!
                Filed CH 7 4/15/11
                341 5/23/11
                DISCHARGED & CLOSED ON 7/27/11

                Comment


                • #9
                  Thanks everyone!

                  So far my attorney said to bring just driver's license and SS card. He said I could bring a W2 just in case for DH.

                  I was mainly concerned about having money in the bank at the 341 meeting. I guess that will be ok.
                  "I DECLARE BANKRUPTCY!" Ch 7 Filed 7/15/11 * 3 Minute 341 8/19/11 * Discharged 10/20/11

                  Comment


                  • #10
                    I wasn't ask about any money. Just answer yes/no to the questions. If you are asked about money in bank (doubtful) be honest and explain your check went in that day and the bills were not paid yet. Oh, alert your attorney so he/she is prepared in case it comes up!!
                    Filed CH 7 4/15/11
                    341 5/23/11
                    DISCHARGED & CLOSED ON 7/27/11

                    Comment

                    Unconfigured Ad Widget

                    Collapse
                    Working...
                    X