341 ... 12 hrs and counting

[herekitty]

In all honesty, I'm not nervous - but I can't sleep either. I've done yoga, exercised and just tried to breathe to no avail. I'll be at the gym at 4:30 but still waiting for the zzzzs to check in. I can't wait for it to be done and over with!

[sunshine08]

This to shall pass!!!

[herekitty]

Didn't get much sleep, but I'm overly prepared - copies of petition, bills, etc to bring along as well besides drivers license, ss card and bank statements. I'm assuming there is a high chance I'll walk in and the trustee will have to withdrawl due to her ties with my case. I can't believe it's here! If all goes well I'm a mere 2 hrs on my way to getting out of debt!

[edwards2]

You will find it will not be near as ominous as you imagine..our 341 was over in 10 minutes(not counting waiting about an hour)...then you play the waiting game...Good luck!

[herekitty]

Trust me - I'll have a full report when I get back. Crossing my fingers that no one shows up to contest!

[herekitty]

Well, I was the first one to go and it went pretty well. Nothing to really be afraid of - although the whole swearing in thing is a bit spooky. Standard questions - about 20 of them .... did I sign? Is the information correct? Have I used the cards in the last 90 days? What was the total amount (I said yes)? Do you understand the ramifications? Have you transferred property in the last 4 years? - that one through me for a loop. I said no, but then realized I did sell my first car about three years ago and I started freaking out about perjury. I think it should be all okay though.

Besides that, no creditors showed

[mrman]

Detail the use of Credit cards a little more. I've had a few small charges for auto parts, and work insurance, and the $300 for last months mortgage. There is a couple at $20 and one at $56. Didn't think I'd file so soon though.

[hhou812hh]

Well, I was the first one to go and it went pretty well. Nothing to really be afraid of - although the whole swearing in thing is a bit spooky. Standard questions - about 20 of them .... did I sign? Is the information correct? Have I used the cards in the last 90 days? What was the total amount (I said yes)? Do you understand the ramifications? Have you transferred property in the last 4 years? - that one through me for a loop. I said no, but then realized I did sell my first car about three years ago and I started freaking out about perjury. I think it should be all okay though.

Besides that, no creditors showed

Don't worry about this. You most likely sold your car for FMV. You could sell a car for FMV a week before filing which is ok. They just don't want you to transfer it to an insider below FMV and you still use the car.

[herekitty]

Thanks HH That completely makes sense. I won't be too worried.

Details on the credit card ...

The guy that went before me had used his credit card AFTER he filed bankruptcy, trustee didn't like that all that much. She wanted to know what he had used it for and how much. He didn't know.

When it was my turn, I said yes - I had used it within 90 days of filing. She asked what for? I said food and gas. She asked do I know how much? Around $150 on three cards (not much budge room here - they were maxed out!). She moved on - it's really not that bad ... we didn't have many filers - only four in our hour, my questioning lasted around 10 minutes tops.

[sunshine08]

herekitty - how are you feeling now? Sleep shiuld be alot easier tonight. Told you it would be ok (it sure is easier to say now that i have been through it)

[concerned]

Herekitty,

Do they care if you use your cards before you file or just after? We have only used ours a little prior to our meeting with our attorney. We still haven't officially filed yet, but we haven't used them since.

[herekitty]

The Trustee was PISSED that the guy before me used his - but I think if it's for necessity, it's not that big of a deal. She told the guy behind me that he would have to pay all the charges back; however, she did not say this to me. I had literally used mine the week before I decided to file - it had only been two weeks since I used it when I started to file and a month before the paperwork got done and in. I think you should be okay concerned.

Sunshine - you were right, LOL. Although, I am wired now - I just got done with my mentoring program for some college kids It went so well, which makes me so happy! I like being that person to look up to - may not be in a financial matter, but at least in a professional one I can do it.

[sunshine08]

I don't think that is necessary a fair assessment. Sometimes we don't always make the best choices, life is not perfect. (alcoholics and drug addicts make the best counselors, so I am told) I think all we can do learn from our mistakes and move on. (don't tell lightening I said that either, course I think he isn't arround much lately) We have all been penalized to some extent for filing bankruptcy.
Sit back and wait for your discharge. It isn't as long as it has been.
To concerned - it is my understanding that debt charged within a certain period of filing is nondischargable. That is probably decided by the amount, the trustee and the creditor. Necessities(why & waht for that you used the cards for, the amount, etc. are factors also. You gotta quit using those cards sometime.

[sunshine08]

Everybody need to be loved and needed. We all want to be good at something.

[Genenco]

Glad to hear all went well...Now the rebuilding begins!!