This is not good.....

[mami2four]

Just a heads up, this is mostly a vent thread but I wanted to know if I am the only crazy one here??!!?? I had been contemplating BK for over a year and it was so stressful to decide to file, I kept changing my mind thinking I should just try and settle, but then I would think clearly and know that BK was my only option..... I went on like this for quite some time until I started getting physically ill from this so I decided it was time to file, I did on Sept.l 25th. I thought I would feel a sense of relief but instead I am more worried than before I keep thinking about this 341 meeting and I know I am not doing anything fraudulent but I worry about every expense and deposit and withdrawal and am scared I will get questioned and not have any proof or an answer and I just feel this huge knot in my chest and cant imagine having to wait 1 more month for this to end, or will it ever end???!!!! Sorry for the vent thread, just thought I would be feeling much better right now

[kym]

Your probably alot like me...and wont rest until you are discharged...
Our 341 (had 2 of them since we converted from 13 to 7) were in and out in 5 minutes. They simply ask you info that you filed on your paperwork.. and if your getting an inheritance, child support pymts, etc... I was surprised by some people's repsonses and the trustee kept going..lol Its really alot of stress for 5 minutes, and afterwards your like.. wow that wasnt bad at all...then you feel the weight float away..then after your 341 you will be on your count down... Hugs

[AngelinaCat]

Just a heads up, this is mostly a vent thread but I wanted to know if I am the only crazy one here??!!?? I had been contemplating BK for over a year and it was so stressful to decide to file, I kept changing my mind thinking I should just try and settle, but then I would think clearly and know that BK was my only option..... I went on like this for quite some time until I started getting physically ill from this so I decided it was time to file, I did on Sept.l 25th. I thought I would feel a sense of relief but instead I am more worried than before I keep thinking about this 341 meeting and I know I am not doing anything fraudulent but I worry about every expense and deposit and withdrawal and am scared I will get questioned and not have any proof or an answer and I just feel this huge knot in my chest and cant imagine having to wait 1 more month for this to end, or will it ever end???!!!! Sorry for the vent thread, just thought I would be feeling much better right now

Hi Mami2four: welcome to the forum.

First Things First: take your left arm and wrap all the way around you as far as you can. Then do the same thing with your right arm. Are you there and ready? Okay, now squeeze HARD!!! You have just gotten a collective HUGG from the BK forum community.

I understand your fears, and yes it will be okay. You will NOT get grilled at the 341. Do a search on '341' or 'Meeting of Creditors' as it is more properly termed, and you will see all sorts of advice and results.

You are worrying far too much. Please try to relax and get some sleep.

HUGGSS

[soontomove]

I was worried sick about my 341 and it was nothing. My best suggestion is what someone told me get there early so you can see a few of them before it's your time. My trustee asked everyone the exact same questions. The only time he was annoyed with anyone was if it was a couple and they both did not answer the questions. From the time I got called up to the trustees desk to the time that I left the room was under 5 mintues.

[drowningNdebt]

I'm filed in FL and have a phone pre 341 on Oct 22nd. Don't mind it at all. In my opinion just an opportunity to meet new people

[TeacherMomma]

I know it won't do much help to tell you this....but....the 341 is NO BIG DEAL. It is like everyone said already - 5 minutes and you will get the sense that it is more of a formality. Really, after the 341 and the 10 days after are when I worried that the Trustee was gonna do this or that, but the actual 341 was a breeze.

Really.

[lifelesson]

you're gonna spend more time getting your clothes picked out and getting dressed then it does for the 341. And well finding the parking spot and walking over that is like super long compared to the 341.

I too was worried about filing, the 341 and all. I now am at the wait til 10/23 for last day to object.

You will do fine.

[mami2four]

Thanks everyone, I was actually able to sleep some last night

[bktek]

you're gonna spend more time getting your clothes picked out and getting dressed then it does for the 341.

Since you mention it, what is the proper attire for a 341? Casual? Sports jacket? Suit and tie? Or does it even matter?

[ForumReader]

Since you mention it, what is the proper attire for a 341? Casual? Sports jacket? Suit and tie? Or does it even matter?

Casual attire is fine. Just do not go overboard dressing up to the nines.

[lifelesson]

We dressed (office) casual since I saw on this site where others had gone and were kinda over dressed. The ones in suits are the attorney's. In our district they didn't have any greeter/check in person we sat in a hallway/ knook where there were about 30 chairs and a couple of tables with chairs around them where attorney's talk to you or other first, if needed.
Wear comfortable shoes for the walk to and from your car since you're gonna be walking longer then sitting.

I suggest you read any signs posted in the area. They had this one posted instructing us to read the sheet found in the front of the room and return it. When we went in for our 341 we had to say yes we read it. (that my friend will take you almost as long as the 341 should.) It's only 8x11 page so tells ya how long it takes.

NE Ohio here.

[pookieny]

I had a lot of anxiety too about the BK but not as much as the sleepness nights worrying how I would pay my bills. Once it was over and discharged, I can't believe how seamless it actually was. I'm sure your's will be the same, most are. I started the process in March and September 21 it was all finished.

[bulletproof77]

341 ? Piece of cake.....

The hardest part of my/our 341 was finding parking and then going through security into the courthouse. As long as your honest and truthful (and hopefully have an attorney) your in and out in about 15 minutes..Of course finding a good place for margarita's afterward was a pain, but we managed...don't worry.

[LSUTiger32]

We can tell you a million times that it will not be a big deal but you are going to worry. I read every single 341 story on this forum and I was still freaking out.....it's human nature. Just be prepared and get it over with, you will feel so much better when it is done.....I know I do!