Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as 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.

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Discharged TODAY!!!

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  • Discharged TODAY!!!

    Ok...You guys don't know me but i've been around for awhile. Mostly making myself crazy thinking the worst every day. Thinking that no matter what something was going to happen to derail my Chapter 7. In the end there was next to no issue and my discharge was filed today...

    I filed 10.24.17.
    341 12.20.17
    "60 days" 2.20.18
    Discharge Filed: 2.22.18

    This was the most difficult and emotional experience i've ever been through. Having to admit all my mistakes and face them. I went to the lawyer August 2018 crying with my wife (she was suffering a galbladder attack and had emergency surgery to remove it that night). We had amassed 90k in debt. 26k in medical and 64k in consumer. We were over the maximum to qualify for 7 without a means test. We got through the means test being $180 negative. 341 was uneventful and the lawyer assured us there would be no issues. A week later the presumption of abuse arrived and I was beside myself. That was withdrawn within a week thankfully...After that we didnt' hear another word until today.

    Before we decided to file I was in the situation that I had to decide if I could send my daughter to pre-school because I couldn't even come up with the $140 per month. I was realizing that all these things were going to effect my daughter and that I couldn't even give her the basics that she needs to succeed. The thoughts of suicide went through my head, not seriously but I started to understand why people would.

    Now that i'm at the finish line I can't believe its real. I see my families future as being bright and I will not waste this fresh start.

    Thanks everyone for your posts and experiences. They helped and hurt some nights but I'm glad I was able to learn about the process and not feel like a total failure for having to ask for this help. Good luck to all, everyone deserves another chance and i'm blessed to be given one....

  • #2
    From someone who is about a month behind you (I probably filed near when you had your 341 meeting), I feel some encouragement. As the days get closer to my expulsion from Club 60, I get eager to make the first steps of my new start. My credit may be wrecked, but I'll have no debt. Congratulations to you and I wish you the best. You had a long wait between filing and 341. Almost 60 days!! For me, I filed 12/15 and had my 341 on 1/18, 34 days. Makes me wonder why the variation in time between file and 341? I'm guessing the region plays a role. But regardless, congratulations, you may have waited a long time but you've reached the finish line, and good job beating the Presumption of Abuse (which my 30 day deadline was Tuesday).

    Wishing you the best for you and your family!!


    • #3
      Thank you!

      Received my discharge on the 22nd and closed on the 27th. Good luck to you while finishing your process. Life is definitely different and I'm obsessed with making the right decisions and not letting this happen again


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