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.

Things you agree to do: (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.

Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

pretty nervous

  • Filter
  • Time
  • Show
Clear All
new posts

  • pretty nervous

    We are hitting our 341 early next week for our c7. Had my last meeting with the lawyer today to prepare. He said relax, its not an inquisition, everything will be fine. Looking so forward to getting past this part. One of the lawyers from the firm will be there with us and we will get there an hour early to watch. Any other advice?

  • #2
    If you haven't already, read some threads about people's 341s. You will see that most people laugh at how worried they were.

    Answer only the questions you are asked without offering additional information. If you don't know the answer to a question, don't guess. Just say you don't know. You can provide additional information later if necessary. But, chances are the questions will be very routine and easy as long as you know your name and occupation.

    Don't forget to bring photo ID and your social security card.

    Otherwise, take your attorney's advice:
    He said relax, its not an inquisition, everything will be fine.
    LadyInTheRed is in the black!
    Filed Chap 13 April 2010. Discharged May 2015.
    $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!


    • #3
      Relax. I remember both my 341 Meetings and I was nervous at both (and they were 22 months apart!). There was nothing to be nervous about. I guess it is the anticipation. I will tell you this. When you walk out that 341 Meeting, your step will seem a little lighter and a big grin will replace whatever expression you had on your face prior to the meeting.

      For now, just relax!
      Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
      Status: (Auto) Discharged and Closed! 5/10
      Visit My BKForum Blog: justbroke's Blog

      I am not an attorney. Any advice provided is not legal advice.


      • #4
        I worried for nothing. We even had the US TT question things, we provided all paperwork ask for. Could not sleep for a few days before. Hubby and I were short with each other all due to nerves . Didn't listen to the good people on this board they were right, it was done and over in a matter of 5 minutes and 60 days later discharged and closed.


        • #5
          341 is easy peasy, take a deep breath it will be ok, just like everyone else get there early so you know what to expect when your time comes. It is really not bad at all, you will be just fine.


          • #6
            "Yes sir no sir, okay thank you bye!" That sums up our 341 meeting


            • #7
              all of the above so true.

              however, there is anyways the chance the trustee may ask you more than the norm. just be prepared and always be truthful.

              i want to say ours went so smoothly it was unreal, until the trustee asked me about some out of state property transfer that i thought was already resolved prior to the 341, i froze, and said, i already sent everything to your office directly, but i have a copy right here if you require it? the trustee looked at my atty and said, we will discuss this over lunch!! LOL!! lunch? that worked for me.

              a few hours later our atty called and said the ONLY reason it was asked was to be put formally on the record. so sometimes you may be asked question, just again, be prepared and truthful, that always works. say you don't know if you cant remember, do not guess. it's just that simple. good luck, it will go perfect!
              8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! and all are welcome to bk forum's Florida State Questions and Answers on BK


              • #8
                Thanks Tobee, I have been pouring over the forums all morning. Our meeting is this afternoon. I found a few small discrepancies in our paperwork that I will advise our lawyer of. I don't think it is anything that should throw up a red flag. Fingers crossed.


                • #9
                  Originally posted by Greysky View Post
                  Thanks Tobee, I have been pouring over the forums all morning. Our meeting is this afternoon. I found a few small discrepancies in our paperwork that I will advise our lawyer of. I don't think it is anything that should throw up a red flag. Fingers crossed.
                  you'll be fine. always small little discrepancies, rather expected with so much transfer of information. get there a bit early if you can, it will help you get as comfortable as possible, even sit in on a few if you can to see how the trustee is... let us know how you make out!!

                  best of luck, again you'll be just fine!
                  8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! and all are welcome to bk forum's Florida State Questions and Answers on BK


                  • #10
                    Meeting Over!

                    I'll do a recap because it helped me reading other people's experiences and its nice to finally contribute to the forum instead of asking so many questions.
                    We left super early, like more than 2 hours early and got there pretty quick. We found the office to confirm that we were in fact in the right place. We had so much time to kill so my wife and I went to look at a college campus that she had been wanting to see and was only a mile or so down the road. For some reason this helped me get some of the jitters out.
                    We made it back to the trustees office and still had about an hour before they started so we just hung out outside under a tree and tried to enjoy the weather. A half hour before we go into the waiting room and sit. Our Lawyer who is representing us walks in and calls our name. He isn't the attorney we have been working with for the past 5 months but we knew this and our main attorney told us this is what would happen. He walked us into the main room, told us how things would work then we went into a private office to go over any last second issues. He was relaxed and it helped us relax as well. He asked us a few points about our case and told us how to answer some of questions that might arise. Last night I found a problem with on of the credit cards on the statement and the last day it was used. Our court papers stated it was used in 2011 but it was last used early this year and the credit card statement reflected this. We also sold a vehicle last year that wasn't listed in our paperwork so I wanted to make sure that he knew about that. Our Attorney told us when to bring this up to the trustee and said it shouldn't be a problem. Last thing he told us before we left the office was that the Trustee was a good guy and fair but that he would have his game face on. Don't worry.
                    We got to watch a few people go up in front of us. Some were quick and easy, some were people who spoke another language and I can see that the language issue was creating problems for them even with a translator and lawyer.
                    We were called up and we sat with the trustee between us and our Lawyer. We were sworn in and he started to run through the basic questions. When he got to the part about wether or not there are any mistakes in our paperwork I said yes. I told him about the credit card usage date and he seemed kind of relieved and moved on. When he asked about assets sold in the past for years I told him about the car we sold last year. He asked how much did we sell it for and what did we do with the proceeds. We told him we bought a used car and used the rest to pay off credit cards. He then asked when we bought our house and for how much. We told him. He handed back our licenses and SS cards and said thank you. We were done.
                    Our Lawyer shook our hands, handed us some paperwork, and said good luck. Should be about 60 days. That was it.


                    • #11
                      Congrats!!!!! Welcome to the 60 day club


                      • #12
                        Awesome! Congrats...


                        • #13
                          "To go bravely forward is to invite a miracle."

                          "Worry is the darkroom where negatives are formed."


                          • #14
                            SOOOOOOOO DONE!!!

                            when you told the trustee about your "discrepancies", which i just read, he most likely smiled to himself, why? because it showed our truly honest and forthright you were trying so hard to be with them. these two things you mentioned were really non issues, but the mere fact you brought them up really shows how sincere you are.

                            best of luck, GREAT job! and welcome to the 60 day DANCE club!
                            8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! and all are welcome to bk forum's Florida State Questions and Answers on BK


                            Unconfigured Ad Widget