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

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Please help me! I'm so nervous I can't sleep!

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  • Please help me! I'm so nervous I can't sleep!

    Ok, our 341 meeting is coming up soon and I'm just so nervous I can't sleep. My dh tells me I'm over reacting, but I don't feel I am. We filed our chapter 7 very quickly because we were being sued and some things were left off our schedules by our attorney that we did disclose. Yes we went through the schedules, but it happened so fast we didn't realize it until after the fact. It wasn't big things at all. We forgot about some closed checking and savings accounts that had no money in them and hadn't been used in a long time and that was a question on the form about closed accounts, and about a small 401k, which is excempt anyways. So our attorney quickly amended it. Now as I sit here reading over my petitions again, just to be sure, I realize that a couple of our unused accounts are missing. And also I feel now that I may have answered a question wrong. Not on purpose but because my head was spinning from all of this and I just forgot and misunderstood. So I contact my attorney again, which at this point he probably thinks I'm a crazy person, but truth is I've been through a lot medically and emotionally over this last year and my brain doesn't always work the way it used to. He basically says, we will address it when the trustee ask and it will be fine. I want the schedules corrected again but my attorney doesn't see it as a big deal because he says we can clarify small things with the trustee.. And that these things will not change the tone or outcome of my case. So now, I'm worried sick about the 341 because I feel like the trustee is going to wonder why the schedules weren't handled more carefully. Should I be worried? My dh isn't, he says that our lawyer knows the law and I don't and to listen to our lawyer. What do you think? If it helps, we are a no asset case also. Thanks for listening. And please help calm my nerves about this 341 meeting.

  • #2
    First, calm down. Everyone stresses about the 341 meeting and then finds out it is a very short and not scary experience. If your attorney says it is not a big deal, believe him. Our attorney was very good and had also been a trustee so he knew everything and how things should go. Missing a small thing can be clarified at the meeting, just like your attorney says. Our meeting lasted 5 minutes - the trustee will ask a question or two. You just answer them and you will be done in a flash.If you are no asset, then that's even less reason to worry. It will be fine.


    • #3
      Thank you so much for your response. It's just weird, I thought I would feel relief after filing, but not until this meeting is over. I just wish all forms would have been done correctly to begin with and I wouldn't be as stressed. Surely I'm not the first one to flake out and just not understand or forget something small.


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