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    #1

    One step closer to filing,

    Pre filing class is done, online....

    $50 for what? Someone to tell me how much I am short each month and what I can do about it......
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    #2
    Be sure to thank your 2005 congressional representatives for this waste of money. They are the ones that voted in Feb 2005 to mandate the pre-filing credit counseling class with a hidden agenda to deter or at least slow down those who need to file bankruptcy.

    By the time the pre-filing class is taken, 99% of people are way too far under financially for the class to actually help them avoid bankruptcy. Think of completing it as just one more box to check before you can file, because essentially that's all it is.
    I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

    06/01/06 - Filed Ch 13
    06/28/06 - 341 Meeting
    07/18/06 - Confirmation Hearing - not confirmed, 3 objections
    10/05/06 - Hearing to resolve 2 trustee objections
    01/24/07 - Judge dismisses mortgage company objection
    09/27/07 - Confirmed at last!
    06/10/11 - Trustee confirms all payments made
    08/10/11 - DISCHARGED !
    10/02/11 - CASE CLOSED
    Countdown: 60 months paid, 0 months to go

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      #3
      I think it was all about taking more money from the poor. Just another way for the financial companies to capitalize on the poor and unfortunate. $50 per filing really adds up. Imagine all the money they make from it.

      If it were really about helping the debtor it would be provided free or at a much cheaper cost, possibly by non-profit groups.
      Disclaimer: I am not a lawyer nor giving legal advice. Use at your own risk.

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