The debtmonster finally had the 341 yesterday! Making you proud!!

[mom2three09]

Congrats Debtmonster

Your 341 room was definitely fancier then ours was. We were in the basement of the Federal Building in a small room with a large table where the trustee and his assistant were seated and about 15-20 old wooden chairs for us to sit on.

As for car offers... we're 3 wks post 341 and have not received even one offer in the mail. We were 60 days behind on our 07 Dodge that we surrendered. We had 3 auto loans showing as no lates/paid in full showing on our reports. But still no offers. Thankfully we were able to get something decent to drive before filing.

Good luck to ya

ETA: We were told absolutely NO CELL PHONES would be allowed, so ofcourse we left ours in our van.

[AngelinaCat]

Congratulations on the successful 341. I posted a similar thought on your other thread.

I am surprised you got into the courthouse with the camera phone. We tried to go in our courthouse carrying our plain non-camera cellphones. Nope. They had to be put back in the car.

We ended up leaving our wallets and everything in the car except the DLs (picture IDs) SS cards, and the copy of our marriage license, which we were told to bring. But the trustee didn't want it--though it turned out we needed it later on.

[backtoschool]

I have a 2007 Saturn and 2007 BMW. The BMW hasn't been paid since January and we're now almost in August. I owe $35,000 on the BMW.

The Saturn was current until just before filing BK. I thought I would be able to do a ride-through. After reading the messages on here, I decided to not mess with anything and just stop paying on all of it. I owed about $11,000 on the Saturn. I have almost 80,000 miles on it. I am sure that they will get way less than $4,000 if they try to auction this car off. High mileage cars don't get much at auction.

My choices are limited now. All I can do is sit and wait for 2 more months. That should hopefully put $1600-2000 more in my pocket for savings towards a new car in all that time.

At the very least, I will hopefully get many car offers in the mail right after discharge.

I have been getting a lot of car offers since I filed, (I got 5 offers so far and my 341 is Wednesday, so I am no where near discharge yet).

Of course all of them would be at ridiculous interest rates, but they were out there. I just traded in my saab in january for a hyundai as part of my pre bankruptcy planning, so I don't need a car, but I think you will get offers post discharge. I was never late on a car payment, and paid my 2004 saab off in full before I traded it in, so maybe that is why I am getting offers pre-discharge. Who knows.....

[debtmonster]

There is absolutely nothing negative about OhioFiler's post in my opinion.

He mentioned the brand of your car and some facts. I personally find OhioFiler's posts on this forum extremely helpful.

Funny, his posts don't seem to helping me one bit other than to make my blood pressure go up.

[debtmonster]

I must've missed the part about the car...
What kind of car are you trying to keep, how much is it worth and how much do you still owe on it?
When did you stop paying on it or are you still current?

I have a 2007 Saturn and 2007 BMW. The BMW hasn't been paid since January and we're now almost in August. I owe $35,000 on the BMW.

The Saturn was current until just before filing BK. I thought I would be able to do a ride-through. After reading the messages on here, I decided to not mess with anything and just stop paying on all of it. I owed about $11,000 on the Saturn. I have almost 80,000 miles on it. I am sure that they will get way less than $4,000 if they try to auction this car off. High mileage cars don't get much at auction.

My choices are limited now. All I can do is sit and wait for 2 more months. That should hopefully put $1600-2000 more in my pocket for savings towards a new car in all that time.

At the very least, I will hopefully get many car offers in the mail right after discharge.

[backtoschool]

I am really getting tired of all of your negative, condescending, wise-crack and personal attacks on my posts. If you don't have anything positive to say or anything that will benefit others, then just shut the hell up.

There is absolutely nothing negative about OhioFiler's post in my opinion.

He mentioned the brand of your car and some facts. I personally find OhioFiler's posts on this forum extremely helpful.

[justbroke]

Welcome to the 60-day club DebtMonster.

[bf2bf]

I am not abandoning it. If it works, it works...

I must've missed the part about the car...
What kind of car are you trying to keep, how much is it worth and how much do you still owe on it?
When did you stop paying on it or are you still current?

[fooked]

congrats debtmonster!

[MrSmithster]

congrats debtmonster...my 341 in los angeles, no metal detector, no cameras, no security personal(only at the door of the main entrance), in fact, know one to advise, explain, no sign-in sheet, but about a hundred people. if it wasnt for a cool paralegal that was there with someone else, i wouldnt have had a clue what to do, where to wait, where to see days schedule(it was a hand written note tacked to the wall in the corner, real hi-tech). or that i needed to fill out some special paperwork prior to seeing the tt cuz i was Pro Se. not really set up Pro Se friendly. hope your wait goes faster than mine, im at day 116, still nothing. good luck

[debtmonster]

Uh....okay....I was asking because you specifically advised us on this forum that that was your INTENTION. Please don't be upset with me if you have since discovered that plan isn't in your best interest.

For the sake of others who may contemplate that approach to keeping a car post-bk can you elaborate on why you chose to abandon that tactic?

I am not abandoning it. If it works, it works. You all said that it won't work, so I am trusting you to have more experience in this issue than I am.

The fact is that plan "IS" in my "best interest". But if it doesn't work, then I need a contingency plan. That contingency plan is to either make a cash offer to the bank or go out and try to buy a car from a dealer or at some kind of car auction.

My lawyer was able to keep that one client in his car for a very long time. Maybe his circumstances were different than mine. Who knows? But what if I plan on keeping my car only to get a rude awakening that I really can't? I don't want to be caught with my pants down. You always hope for the best and plan for the worst.

Planning is the key and that's the whole reason why we are all here, right? Let's share plans and help each other with ideas.

[OhioFiler]

I am really getting tired of all of your negative, condescending, wise-crack and personal attacks on my posts. If you don't have anything positive to say or anything that will benefit others, then just shut the hell up.

Uh....okay....I was asking because you specifically advised us on this forum that that was your INTENTION. Please don't be upset with me if you have since discovered that plan isn't in your best interest.

For the sake of others who may contemplate that approach to keeping a car post-bk can you elaborate on why you chose to abandon that tactic?

[debtmonster]

Well now the 2 year clock starts on your keeping the BMW from the creditor. Let us know how that works out for you.

I am really getting tired of all of your negative, condescending, wise-crack and personal attacks on my posts. If you don't have anything positive to say or anything that will benefit others, then just shut the hell up.

[OhioFiler]

Well now the 2 year clock starts on your keeping the BMW from the creditor. Let us know how that works out for you.

[zscfan]

Congrats debtmonster, I'm very happy the 341 went well for you! But, I must say, that you have much more courage than I do...I was so nervous about my 341, my whole BK even, that I wouldn't have even taken the chance to do something that might be "frowned" upon or even not permitted such as taking a photo in the meeting room.

Best wishes for the rest of your case.