I am sooo nervous. I think I have read every single thread on this forum, and still am so nervous that my stomach has hurt since I got my letter in the mail. What if a creditor(s) show up, what do I tell them, what would they ask? What is a blanket bond that the trustee serve under? What does it mean that 'the presumption of abuse does not arise'? What is the personal financial management course? I do not know if I am an asset chapter 7 or a no asset? I have 1 nonexempt $800 car, does that mean I am an asset? Will everyone in the room be able to hear me when the trustee asks me questions? No trustee has called me, are they suppose to? Do I have to pay for Pacer? How do I pay for pacer without credit card? Am I even allowed to use my debit card for pacer? One creditor is still bugging me, calling and sending me letters, do you think that one will show up there? The last letter which I got today said, that instead of paying 18,500 they are offering me a deal to pay only 7,000 on the debt. Why couldn't they had offered me that sort of deal when I called them up earlier this year crying b/c I didn't know how I was going to come up with enough $$ to pay them and 3 other cards that wk, along with the electric and phone bills in the same wk? Thank you to anyone that replies.