I'm sorry everyone, i'm just in awe over a conversation I had with my attorney yesterday.
I was talking about something else and then made the comment I could hardly wait, confirmation is only a couple weeks away. He said, oh, did I not tell you that confirmations, don't normally happen on the day they're scheduled; I responded no, I'm sorry you didn't tell me. He said that there could be objections from secured creditors who may not have filed yet (they have 90 days from the 341 hearing). I had to remind him, we had only 1 secured creditor because this is a 100% payback case with only 1 secured creditor and the rest all unsecured credit cards. He said oh right, well let me tell you, sometimes the court gets backed up and your case hasn't even been read by confirmation day. I asked him why is a date/time set up then. His response is that it is set up in case there is a dispute..however in his many years of doing his job he has NEVER EVER had to attend a confmration meeting. If there are any issues they are settled outside of court.
He also said if it's not confirmed on the date set it's not usually that long after..however, having looked at my file for another minute (it's great how they don't know who they're talking to and I do understand they have many, many clients) he said you actually may be one of the few who are confirmed on the scheduled date.
I feel so down right now...all i've been doing is counting down to Confirmation. I know nothing's guaranteed but honestly this is a very straightforward, easy case. 100% payback to unsecured creditors and having our car loan paid back at 100% all over a 5 yeqr period.
Right now I just feel like a gamepiece on a chess board.
Thanks for listening and have a great day!
I was talking about something else and then made the comment I could hardly wait, confirmation is only a couple weeks away. He said, oh, did I not tell you that confirmations, don't normally happen on the day they're scheduled; I responded no, I'm sorry you didn't tell me. He said that there could be objections from secured creditors who may not have filed yet (they have 90 days from the 341 hearing). I had to remind him, we had only 1 secured creditor because this is a 100% payback case with only 1 secured creditor and the rest all unsecured credit cards. He said oh right, well let me tell you, sometimes the court gets backed up and your case hasn't even been read by confirmation day. I asked him why is a date/time set up then. His response is that it is set up in case there is a dispute..however in his many years of doing his job he has NEVER EVER had to attend a confmration meeting. If there are any issues they are settled outside of court.
He also said if it's not confirmed on the date set it's not usually that long after..however, having looked at my file for another minute (it's great how they don't know who they're talking to and I do understand they have many, many clients) he said you actually may be one of the few who are confirmed on the scheduled date.
I feel so down right now...all i've been doing is counting down to Confirmation. I know nothing's guaranteed but honestly this is a very straightforward, easy case. 100% payback to unsecured creditors and having our car loan paid back at 100% all over a 5 yeqr period.
Right now I just feel like a gamepiece on a chess board.
Thanks for listening and have a great day!
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