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Had our 341!!!

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    Had our 341!!!

    So glad it's over... I had gone back and forth with not knowing if I was going to be able to find childcare for my 2 year old daughter. I had heard some people say that they had seen children at their 341 but it's obviously not preferable. Well, got my MIL to watch my daughter. My daughter is somewhat clingy to me and had never been left with her before (and rarely sees her). So I don't know what I was more nervous about, my daughter, or the 341!!!

    So we get there and there is one small room with chairs, and two doors, one on each side. So it looks like we really can't just hear all the other cases before us. So we're in the room and there are a few other people there. DH says, we're the only ones that didn't bring a bunch of paperwork... I said, we don't need to bring anything except our Drivers License and social security card. We watch some of the other people, and there is one girl talking with her attorney and he's flipping through her file, asking her questions, writing things down. It sounded like his office was NOT on top of things. At one point she said, does that mean they haven't fixed this yet and he said no, I'm sure they did, and if they haven't, it'll get fixed... I would've been TICKED!!! So anyway, they call the entire group that is set for our hour block, there are 5 of us I think. We're the first ones. So we have seen nobody before us, even though we were 30 minutes early We do our oath, he runs through the questions, did you sign the forms, are you aware of any changes, are you expecting any inheritance, blah blah blah, and then he says, thank you and hands us our stuff and says we're done. It took 2 minutes! I was so relieved!!!! No creditors showed up either (I had thought they wouldn't but did have a slight worry that our local credit union would show up ($10K credit card plus 2 cars crammed)).

    And our daughter did great!!! So double good news!!!

    After being there, I'm so glad that we didn't have to bring our daughter - she just turned 2, so she's not exactly good at listening and sitting quietly. It would've been so much extra stress!!! None of the people in our group had children with them but when we left there was one person with their daughter, but she was closer to 10 years old, obviously old enough to occupy herself and sit quietly...

    #2
    Hey becky20! Glad it went quick and easy for you!

    Must be a big relief!

    Ours is tomorrow and I am sooo nervous! Probably won't sleep much tonight.

    Its almost 1:30am already! Of course I've been watching the Olympics....
    Filed Ch 7 -- July 9, 2008
    341 mtg ---- August 14, 2008
    Discharged ---- October 17, 2008
    Closed --------- December 11, 2009!

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      #3
      Good luck today, I'm sure yours will go smoothly as well!!

      Comment


        #4
        I was so fearful prior to 341 and once it was over it was such a relief.... The process is designed to help you. You can only pay what you can afford legally and thats the reason of protection....... I am so happy to hear others make the hearing and come back and report it wasnt near as bad as made to be in your mind prior to showing at the 341. I really think the fear is from the fact you care and want to do the best you can or you wouldnt be filing for a chapt 13 WELCOME to the group of people who are on the other side*******
        Started in Chapt 13 Switched to Chapt 7 Discharged 2009 Dec.........Filed New Chapt 13 in 2010 to deal with new surgery bill and stripped second mortgage! The story continues

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          #5
          Congratulations mine is on the 22nd and I couldn't be more excited!
          Disclaimer: Young, NOT Dumb.(._.) The plan: $480 monthly for 60 months at 100%. 07/12/08
          Motion to Discharge: FILED!! 08/07/13
          60 down/0 to go \m/(*.*)\m/ 100% complete!

          Comment


            #6
            Hi there Becky20,
            Thanks for sharing your 341 with us...it's such a relief to hear when 'friends' come back and post their experience...I guess 'stressing' is just part of waiting for the 341 meeting...

            My best~

            P.S. I'm glad your daugther was a "big girl" and was good with your MIL!!!
            May 2008 Hired 1st Attorney/Stopped paying CCs
            May 21, 2009 Retained 2nd Attorney
            May 28th - Filed for Ch 7 (FINALLY!)
            9/11/09 - DISCHARGED!!!!

            Comment


              #7
              Thanks - I think actually worrying about my daughter helped distract me from the stress of worrying about the 341!!! I'm glad I had read about everyone else's experiences, because I wasn't AS worried, and when my husband seemed worried because everyone else had big folders of paperwork and we just had social security cards and drivers license, I didn't freak but just said coolly that we were fine... I think if I hadn't read everyone else's experience I would've started to worry at that point...

              I had read another thread or two from people thinking about bringing kids and I have to say after going through it, I agree with the others that it isn't a good idea if at all possible (especially if they aren't old enough to be quiet and sit still like my daughter!).
              Last edited by becky20; 08-14-2008, 12:59 PM.

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                #8
                Hello Becky20,

                Glad things went well. I think I read that you are in Arizona, can you tell me what county? Would also like to know what attorney you used but I dont think you are allowed to mention it in the post!

                I am in Arziona also & am making payments to attorney so we can file soon!

                Thanks

                Comment


                  #9
                  Originally posted by grndmom53 View Post
                  Hello Becky20,

                  Glad things went well. I think I read that you are in Arizona, can you tell me what county? Would also like to know what attorney you used but I dont think you are allowed to mention it in the post!

                  I am in Arziona also & am making payments to attorney so we can file soon!

                  Thanks
                  I'm in Maricopa, in the west valley. I could send you a private message with my atty name or whatever other specific questions you have - just let me know. I can also tell you who our trustee was - not sure how he was for everyone else, since we went first, but he was easy on us, it felt like... FYI, from what I could tell, I don't think that you can go to watch 341's to see what it's like. You walked into a room with chairs and there were two separate rooms for the hearings, and I didn't get the feel that they were open to just go in if you weren't scheduled...

                  Comment


                    #10
                    Congratulations on this milestone and welcome to the 60 day club!
                    Filed!!04/23/2008[X] 341 5/27/2008[X]Converted to asset case 5/26/2008 [X]
                    DISCHARGE 08/12/2008[X]
                    Converted to NO Asset case 12/15/2008[X]
                    Closed 12/16/2008 [X]:yahoo::yahoo::yahoo:

                    Comment


                      #11
                      I am so happy for you. We had our 341 yesterday too. Our time slot was at 10am and there were 15 cases in that time slot! There were 17 in the one at 9 am! It was such a huge relief. I had to laugh at the people called before us. They had 2 homes, 1 they were letting go and one that they paid $350,000 for. She carried a Prada purse with her. The trustee questioned their car leases....they just turned in their BMW lease and got 2 more leases for 2009 vehicles. Their attorny never changed their paperwork and the trustee was clearly NOT amused. He kinda grilled them alot. I felt very comfortable after they were done. The trustee was very nice and only asked us how we arrived at our homes value. Our attorney whipped out the appraisal, the trustee said "Well that answers my question." Trustee wished us a good day and said goodbye. Our attorney seems very comfortable there will be no objections, as the trustee usually gives a pretty good indication as to any he will have, at the 341. Confirmation hearing is scheduled for 9/19.
                      best of luck Becky, I really hope the road ahead goes smoothly for you!!

                      Comment


                        #12
                        Congrats on your 341 'atwitsend'...sounds like it went well....

                        P.S. Thanks for the info, I'll make sure to leave my Prada bag at home .....
                        May 2008 Hired 1st Attorney/Stopped paying CCs
                        May 21, 2009 Retained 2nd Attorney
                        May 28th - Filed for Ch 7 (FINALLY!)
                        9/11/09 - DISCHARGED!!!!

                        Comment


                          #13
                          Hey Becky - Great to hear everything went great! I guess you are a member of the 60 day club. CONGRATS AGAIN!!!!!!!!!!

                          Comment

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