Woo hoo!! We are filed!!

[inajam37]

Ok, quick questions!! Our creditor meeting is set for 2/13/08...what goes on at this meeting? Anything we need to be worried about? Will we find out if we are confirmed and accepted into the plan?

Also, we are in the Southern Indiana District and have been assigned Ann Delaney as our trustee. Is anyone familiar with her? If not, is there any way to check her out? Any feedback would be greatly appreciated.

Thanks so much!!!

[southerncomfort]

Not much happened at my creditor meetings--no creditors showed up. The trustee asks general questions, like if you have any assets you are not disclosing adn things like that, but all in all, it was quite uneventful for us.

Congrats on your filing!! No more calls!!

[wayne-o]

mine was easy as well.. I had two creditors show up. One for auto finance, I intended to keep auto, and they wanted to make sure I had comprehensive insurance on car, the other was mortgage company to make sure they were treated as priority for the arrears and not included in unsecured.

[lrprn]

Ok, quick questions!! Our creditor meeting is set for 2/13/08...what goes on at this meeting? Anything we need to be worried about? Will we find out if we are confirmed and accepted into the plan?

In Ch 13 there is a 341 meeting that you are required to attend and a confirmation hearing which you are not required to attend - only your lawyer. Typically these meetings happen about 3-4 weeks apart, although in some areas of the country they can happen on the same day.

The 341 meeting is so the trustee can question you in person about the specifics of your case and Ch 13 plan. The meeting typically won't last more than 5-10 minutes at the most and is pretty routine. Your lawyer will help prepare you for it.

The confirmation hearing is when your case is officially confirmed or not confirmed by the local bankruptcy court. 95% of Ch 13 cases are confirmed at this hearing.

However, if there are filed objections to your case, your lawyer will be negotiating with the trustee and/or creditors long before your confirmation hearing. Only if they can't reach a compromise will your case not be confirmed by the court (this is unusual). After that your lawyer will continue to negotiate with your trustee and/or creditors to try to resolve the differences. Briefs may be filed, court appearances may be required. Again, this is definitely NOT the norm!

Is anyone familiar with her? If not, is there any way to check her out? Any feedback would be greatly appreciated.

If anyone does have feedback about this individual trustee, please provide that to inajam by PM (private message). Thanks!

[inajam37]

Thanks for the response. That's a great help. I'm just anxious to get the ball rolling...get confirmed...get to paying...and get it all over with. By the way, how do I receive PM's?? I've never done that on the site before. Also, I looked up the pacer website and thought about checking into that but it said something about a charge of $0.08 per page. Do you have to pay to look at the info or is that if you want to print it out? Thanks for the info.

[southerncomfort]

Thanks for the response. That's a great help. I'm just anxious to get the ball rolling...get confirmed...get to paying...and get it all over with. By the way, how do I receive PM's?? I've never done that on the site before. Also, I looked up the pacer website and thought about checking into that but it said something about a charge of $0.08 per page. Do you have to pay to look at the info or is that if you want to print it out? Thanks for the info.

You pay 8 cents for every page that you look at. It is not based on printing. Soemtimes you can pul up documents that are multi-page and you have to pay whether you realized that or not. This won't happen if you only look at your case though. Occassionally, I like to sift through dismissed cases in my district to see why other people's cases are dismissed and it will pull up a 20+ page document.

They bill quarterly and give advance notice. Again, though, if you are only looking at your own case, the 8 cent charges will take a while to add up to much of anything.