I had my 341 today. Wow, I was crazy nervous...I am in the dreaded Middle district Florida and from all of the info I have found on this site I think things went well. We were honest on all of our forms and stopped paying mortgage in March. It is really scary how we really haven't saved any money.

The meeting went by really fast and the trustee asked us very little questions. Her first personal question was about what jewelry i have and I stated about $800 for wedding and engagement ring, she said it wasn't on list and I stated that is was on my petition. We are filing chapter 7 and not keeping our underwater house. We have zero equity but not upside down in two newer cars and reaffirming them. She asked if we were keeping house and we both said no at same time, she asked "why" and my husband stated "we can't afford it," no further questions about house. There was one odd question about whether our children had any bank accounts with their names on it. I stated none that we have started, but could have one from relative that we didn't know about (probably should have just left it at none, but I tend to babble on when I am nervous). She did comment that we had a lot of payroll deductions. She also asked about one particular payroll deductions because it states savings account for $101 but I think it actually goes to our silly 401k loan we took out a couple of years ago to pay off stupid credit card debt. At the end she asked us for a contact number, but she asked all of the other cases before us for theirs as well, so I am hoping it doesn't mean anything. We have lawyer and he said we are in the clear, but he seems laid back about everything.

We were slightly over median income before deductions, but after deductions we were well under. The means test also put us at -$250 every month. My husband has lost hundreds of hours of overtime this year and we just couldn't keep all of the balls in the air anymore. She did not question any of our expenses and luckily no creditors showed up.

If their are any objections do they send them in the mail? Is my lawyer contacted first?