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

Chapter 13 341 Meeting 7/23

  • Filter
  • Time
  • Show
Clear All
new posts

  • Chapter 13 341 Meeting 7/23

    I was not nervous for tomorrow's 341 meeting until now. Our attorney told us that he will take care of all the paperwork the Trustee wants, that all we need are our IDs, SS card, and a 2-page paper we filled out. Now I'm second guessing myself on my lack of paperwork preparedness.

    I worry that we've left out some small detail. I worry that there will be objections to our plan. I worry that the Trustee will recommend a higher plan payment. I worry that this will drag out a long time.

    I need a Xanax...
    Chapter 13 - May 2014
    Broke but not broken...

  • #2
    There really is no point in worrying. If your petition is accurate and you bring what your attorney told you to bring, everything will be fine. There really is not much preparation to be done for a 341. You most likely will do no more than confirm the accuracy of your petition and maybe answer a specific question or two. You will probably know the answer to any questions off the top of your head. If you don't, just say that you don't know, but can find out. Anything that comes up can be addressed. If your experience is like the vast majority of BKforum members, it will be over before you know what happened.

    You not being nervous until now reminds me of my 341. I was never nervous until the moment I stepped off the elevator on the floor where the meeting took place. My stomach suddenly turned to butterflies. I had plenty of time to calm down and everything went fine, just like it did for every debtor that went before me.

    I won't say "good luck" because you don't need it! How about Best Wishes!
    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
      Meeting DONE! It was pretty straightforward: name, employment info, income, mortgages. We were asked more in-depth about my husband's potential bonus (once in 11 years, no red-flag), a judgement we awarded in a small claims court (trustee assistant thought if interesting that we are creditors in THAT particular bk situation), and the rental house that we are surrendering (and have filed a motion with the court to short-sell).

      Afterwards, our attorney warned us that more likely than not, there will be an objection to confirmation. He said normally it's some tiny detail that is an easy fix and won't change the payment plan. He said that because we converted from the 7 to the 13, the financial details were already fixed based on the trustee's recommendations and that we shouldn't run into numbers trouble. I guess we'll see...

      As far as the actual process goes (in case anyone stumbles across this post in the future looking for guidance), it's not very exciting. If you're lucky, your attorney gets there on time to give you some last minute advice before the process begins. You sit in a room with a lot of debtors fidgeting in their seats and lawyers playing on their phones. After the question-asker goes over a bunch of information, lawyers that were late or had several clients to meet with call their clients out into the hall...lots of commotion. When your name is called (and we were only number five), you go to a big table, get sworn in, hand over id, etc. We were asked questions by an assistant to the trustee, wasn't expecting that. I also was not expecting a tape-recorder. He asks his questions, scribbles down a bunch of notes, and sends you on your merry way. You talk to your lawyer for a couple of minutes and you get the heck out of dodge!

      I was starting to get nervous because 3 of the first 4 cases were continued to a later date, and was kind of worrying that maybe this guy was on a continuation-roll. From what I could tell, their lawyers hadn't done a very good job of getting everything submitted correctly or informing their clients to let them know immediately of any changes. So basically, be 100% honest 100% of the time and there shouldn't be anything to worry about.

      There were some people there who we're wearing short shorts and some in jeans and dirty t-shirts, but mostly everyone was dressed well. One lawyer looked quite unprofessional and she was a bit of a ditz to boot. But then, the assistant trustee was chomping on gum the whole I guess being professional is optional.

      Anyway...just wanted to post all of this because I had a heck of a time finding 341 meeting info specifically for chapter 13 (though my guess is that it's pretty much the same).

      Chapter 13 - May 2014
      Broke but not broken...


      • #4
        Maybe the casual dress is a Missouri thing, I noticed the the dress code at my 341 was sorta whatever. I was business causal but mosl folks were in jeans and t shirts.


        • #5
          I was told to wear what you would wear to a normal court proceeding (ie don't look like a scrub)


          Unconfigured Ad Widget