341 hearing and credit card companys

[motox]

I am about to file bk and my question is how often is it that a credit card company will show up to fight it if the balance is under $10,000 if most of your recent purchases were on gas and food and things of that nature?

[isitreal]

Most credit card companies will not show up. The only time you really ever have someone show up is if it is a small town creditor that doesn't realize all they have to do is file a claim. Either that or there is a major objection on their part.

[yoyoma51]

Ditto isitreal.

We have $162k unsecured by about 20 creditors. No one showed at our 341.

[motox]

there is just always something new that pops up in my mind to worry about

[ameliabedilia]

Don't stress about it. We had a very short creditor list-only about 8 creditors, and 5 of them were credit card, and each card had between 10 and 20 grand on them. I had used one within the 90 days and no one showed up.

[woohoogirl]

Don't stress about it. We had a very short creditor list-only about 8 creditors, and 5 of them were credit card, and each card had between 10 and 20 grand on them. I had used one within the 90 days and no one showed up.

I've got my fingers crossed that I'm that lucky!!!

[monkatom]

I have mine crossed as well since on our American express we have 48K and BofA we have 45K

[epiphany]

I have mine crossed as well since on our American express we have 48K and BofA we have 45K

I owe BofA 34K. I told my lawyer that I was worried about them because I owed them so much and he told me that BofA is usually quite docile once they find out you are filing. Time will tell if that is true.

They have been pretty nice about trying to work it out with me...at least they aren't nasty. I got a voicemail from them the other day offering me 85 percent off to settle.

Where the F was that offer several months ago when I was just trying to get them to drop my minimum? They were willing to significantly reduce the interest but wanted almost the full payment every month deducted from my checking account. I told them I wasn't willing to do an automatic debit and that I needed those payments reduced. Since then the offer just kept getting better and better but it's too late. If all my creditors had been willing to work with me when I truly was trying to work it out, then they would be getting paid back slowly but surely. Oh sorry, got off subject.

I don't know about American Express. Had one of those years ago but no longer. I sure hope that no one shows up at my 341! I am so looking forward to the day I pass that hurdle but one day at a time for now. Good luck to you.

EP