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  • JJH77
    started a topic Recently filed w/questions

    Recently filed w/questions

    I've recently filed and have some questions regarding reaffirming my car:
    i reside in New Jersey and want to keep my car. I'm current on payments (never late). Some say reaffirming the car is good and some say not good. We really need this car bc this the only sort of transportation we have and...
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  • JJH77
    started a topic Considering Bankruptcy

    Considering Bankruptcy

    Hi,

    Hoping I can get some insight here on chapter 7 in New Jersey.

    After fighting so so long my husband has given the green light on bankruptcy. Due to illness starting 3 years ago and a car accident we fell behind on things and it snowballed.

    We live in NJ,...
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  • CaseyKnox
    started a topic Filing to save My Home!

    Filing to save My Home!

    I'm so ashamed that My life has came to this. ūüėĘ


    Just received notice, that our home will be foreclosed on May 19th.

    Seems that Chapter 13 is the only option We have left. We're behind almost $8k.

    We also have medical bills, approximately $25k between...
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  • Chapter 7 -- 341 trustee issues in Atlanta -- please help!

    I had my 341 meeting for chapter 7 in Atlanta today...what a mess. Probably the biggest issue was that I pre-paid my dentist prior to filing - from my bank account, not on credit cards - for a procedure to be done 2 weeks later. The dentist required pre-payment, and the procedure was phase 2 of dental...
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    Last edited by GAfiler; 04-12-2016, 08:27 PM.

  • ‚ÄčLESSONS LEARNED: My IMPERFECT road to‚Ķ being DISCHARGED!

    I am so relieved. My story began 5.5 years ago with a trustee‚Äôs audit, a ‚ÄėPresumption of Abuse‚Äô and a Dept. of Justice Audit thanks to an inexperienced BK lawyer. It‚Äôs a long read but I can‚Äôt imagine anyone going through this gauntlet again so I chose to share the major lessons I learned...
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  • Really nervous about my 341 b/c of gambling and new job

    So I filed in November and have my 341 later this month for a joint Chapter 7 with my wife. We have no real assets, other than 2 cars. No real estate. A significant amount of unsecured debt, combination of credit cards, payday loans, credit lines, etc. We haven't used any credit for several months...
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  • Just curious: questions asked at 341 seemed to relate to the time since filing

    It seemed that the questions on the form the trustee gave everyone at the 341 were about the present time, the time before filing and the future after filing--I had thought that once you file, whatever you earn or do since that date, as long as it didn't begin before you filed, was excluded from the...
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  • rjroyse
    started a topic 341 Today - potential problems?

    341 Today - potential problems?

    It is today and I am a nervous wreck. We know it is going to be an asset case. I had a mutual fund that failed to get discussed wiht anyone, even though we asked, so we now know that will be taken. I also will be telling them that we will need to ammend our schedules. We did mark that we had transfered...
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  • 341 this morning. Attorney suggested not to see trustee last minute!

    (San Diego) So 15 minutes before I go to see the trustee, my lawyer looks over my bank statements and with a confused look on his face pulls me into the hallway.

    He says he's concerned about the expenses not being enough to offset my income (I'm self-employed) and suggests that I don't...
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  • pennymeg
    started a topic 'Twas the night before 341...nervous!

    'Twas the night before 341...nervous!

    My 341 meeting is scheduled for tomorrow and I'm suddenly nervous! I've been pretty calm until today. I've read that most of the 341 meetings run smoothly and are over in minutes but I can't help but feel nervous. I'm nervous that creditors will show up and harass me or that the trustee will find some...
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  • dina13
    started a topic Easy 341 today

    Easy 341 today

    We had a 341 this morning, and it was a breeze. It literally took about 3 minutes. We had to state our names and addresses, say yes to whether it was our petition, whether we understand it, whether it's our signatures, and whether it is our tax return copy that trustee gave back to us.
    That was...
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  • Potencia
    started a topic Did I discharge too many debts?

    Did I discharge too many debts?

    Filed pro-se August 7th, individual CH7, most of my debts are from my business so I discharged my libility on them. Among several active accounts, most of the accounts included on the matrix dont show up on my credit report and in fact, many of them are 10 yrs old or more and out of the statute of limitations,...
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  • drayton
    started a topic 341 Date and a few Preliminary Questions

    341 Date and a few Preliminary Questions

    First, just wanted to say a huge thank you to this forums posters. I have been lurking/learning for a good amount of time. I'm happy to say our case has been filed for 7 on 1/7/12 and now it's time to ask the experts! (Yes, I will ask my attorney, but I respect all of your thoughts as well)
    ...
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  • a creditor's lawyer asked for a copy of my filing documents... should I be worried?

    Hello everyone, i logged on to pacer and saw a request from a lawyer to the court requesting filing documents.. I then googled his name and it looks like he represents one of my creditors. is he just fishing for stuff? or is there something else?

    Thanks!
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  • 10 days after 341 - Insufficient Information Necessary to Make Presumption of Abuse

    Here is my pacer schedule after my 341 meeting

    -
    Filed: 06/06/2011
    Entered: 06/13/2011
    Docket Text Meeting of Creditors Held and Concluded
    Filed & Entered: 06/08/2011
    Docket Text Order on Motion to Avoid Lien
    Filed: 06/10/2011...
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