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

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341 at LONG Last!

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  • 341 at LONG Last!

    I had my 341 meeting yesterday morning (10/1/2018) and had been anticipating it more with excitement of a long-awaited event than with nervousness. After my debt situation escalated to the point of all my income going to debt payments and me using credit cards to pay my living expenses (payday loans and high interest installment loans - don't ever get them), I met with an attorney in early May of 2016, paid him in mid-May 2016, and turned in my completed packet of information in early June of 2016 (and pulled an all-nighter the night before, because I wanted to hurry up and get my Chapter 7 paperwork filed and move forward with my life). Well, I think I got the slowest attorney on the planet. After I handed the attorney the packet, he said, "It'll be a while." He was swamped - lots of bankruptcies. After two-and-a-third years of waiting, excuses, broken promises, and generally being strung along - all while experiencing much stress, being sued by creditors, having my wages garnished, and turning down weekend work because of the wage garnishment - I FINALLY fired my attorney and filed Pro Se on August 27, 2018. I'm so glad I did, otherwise I'd very likely still be waiting (and I'm sure I did a much better job on my paperwork than the attorney would have). Thank you so much to the people on this forum who provide such great advice/tips - I've been popping in here on a pretty much daily basis for quite some time now.

    I arrived at the meeting room a little over an hour early, so I sat in on the previous hour's meetings, and mine was about two-thirds of the way into meetings scheduled for my time slot. For all of the meetings I observed, there were no creditors present (and I loved how the Trustee for each debtor, at the conclusion of her questions, said, "Are there any creditors? There are none." with hardly a pause between sentences, and then concluded the meeting, and with a smile, said that the debtor was free to go). I got a little nervous when a Pro Se debtor prior to me was told that the paperwork she thought she had sent to the Trustee (tax returns, paystubs, etc) had never arrived, and her meeting was continued to a date near the end of the month, and I was thinking, "I sure hope she got mine." (She did.)

    The questions asked of me were all very basic: Confirm my address. Did I read my paperwork? Did I sign it? Has anything changed? Did I list all my assets? Did I list all my creditors? Have I sold or given anything away in the last three years? Did I have any claims against anyone? At that point, I mentioned the issue with the attorney. (I also listed and exempted that in my schedules.) The Trustee asked me the attorney's name, to describe what happened, and asked for my phone number. She said that she would refer that situation to the U.S. Trustee and said that if I hear from the U.S. Trustee's office, not to worry - I didn't do anything wrong (Whew! *smile*) - but that the U.S. Trustee's office may choose to investigate the attorney and possibly help me get a refund.

    So now it's just a matter of doing my waiting in the "60 Day Club" and watching for the judge's disposition on a motion I filed to avoid a non-posessory, non-purchase money security interest lien on some personal property (and funnily enough, what is colloquially known as a "scream or die" motion is calendared for Halloween).

  • #2
    Sounds encouraging. Let me know how it feels when you get ur Discharge .
    best of luck and kind regards


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