Finally!! He filed!!!

[coolmom04]

I would think it would be almost imposable to find out information about the trustee. But for what I've read about the 341 meeting it's not that bad as long as your lawyer has everything worked out. And why would they file if they didn't have everything worked out.

I'm sure you don't have anything to worry about.

Thank you I am just super paranoid lol

[outofdebt201]

I would think it would be almost imposable to find out information about the trustee. But for what I've read about the 341 meeting it's not that bad as long as your lawyer has everything worked out. And why would they file if they didn't have everything worked out.

I'm sure you don't have anything to worry about.

[mikeyisbroke]

I can deal with the phone I just won't answer it. I should be fine in May to afford the attorney maybe sooner. I just didn't want to receive any summons in mail before I got the ball rolling. I'm so glad I found this site tho. I have been struggling for years. I tried calling my debtors to get a lower rate they say no. So for years some of the debt is more than 6 years old. I paid minimum and that has got me nowhere. I'm late by one day they all take on their fee anywhere from 30-50 dollars so that kills me the next month. All I think about is this. I wake up in middle of night every night to my heart pounding. I'm turning 38 this month and if I stay in this position of struggling and trying to keep paying minimum and getting nowhere I'll be dead by 40. I just want to have a life again not just an existence of work and paying bills and getting nowhere. I've been doing that for so many years that it's really starting to kill me.

Jackdog,

I'm turning 34 next month and I totally feel everything you're going through - I'm pretty sure i'm going to file, i'm just trying to muster up the energy to call the attorney I've selected to get started. I'm about 30K in CC debt and now that I'm unemployed I simply can no longer make payments. After I pay my taxes (yes, I actually have to pay this year due to a small win in Lake Tahoe last year) I'll be filing.

Someone in another post had suggested signing up for Google Voice service, which i've done.

[coolmom04]

there is no judge at the 341 meeting, only trustee. i never saw a judge in my bk case, and most people don't. so don't worry about the judge!

Oh yeah... I forgot Thank you for that!

[music12]

there is no judge at the 341 meeting, only trustee. i never saw a judge in my bk case, and most people don't. so don't worry about the judge!

[coolmom04]

back to the original question, you won't really find any reviews of trustees. there is nobody out there who would write them! attorneys wouldn't because they need to be on the trustee's good side. and debtors wouldn't for the same reason. so the right to free speech is out there, just doesn't get exercised in many cases... but yes, you could look up in pacer. you won't find anything useful there though. if you want to know what your trustee looks like and how he/she behaves, you can call the court or the trustee's secretary and try to find a 341 date before yours and attend it.

Thank you That's kind of what I thought would be the case. I think we'll definitely try to sit in on some cases to see how the trustee & judge are before our meeting!

[music12]

back to the original question, you won't really find any reviews of trustees. there is nobody out there who would write them! attorneys wouldn't because they need to be on the trustee's good side. and debtors wouldn't for the same reason. so the right to free speech is out there, just doesn't get exercised in many cases... but yes, you could look up in pacer. you won't find anything useful there though. if you want to know what your trustee looks like and how he/she behaves, you can call the court or the trustee's secretary and try to find a 341 date before yours and attend it.

[Blueboy]

This is OT, but I'm originally from upstate SC, too

Well obviously you are a cool person!

[coolmom04]

We stopped CC payments last Aug, so we are at 7 months now. We plan on filing late this month or early April.

This is OT, but I'm originally from upstate SC, too

[Blueboy]

We stopped CC payments last Aug, so we are at 7 months now. We plan on filing late this month or early April.

[liz417]

I went a whole year before I could file (see my signature) and wasn't sued, but there is another poster here (today) that was sued after 5 months! If you've stopped paying the creditors then that extra money should be saved for attorney fees.

Good Luck!

[Jackdog]

I can deal with the phone I just won't answer it. I should be fine in May to afford the attorney maybe sooner. I just didn't want to receive any summons in mail before I got the ball rolling. I'm so glad I found this site tho. I have been struggling for years. I tried calling my debtors to get a lower rate they say no. So for years some of the debt is more than 6 years old. I paid minimum and that has got me nowhere. I'm late by one day they all take on their fee anywhere from 30-50 dollars so that kills me the next month. All I think about is this. I wake up in middle of night every night to my heart pounding. I'm turning 38 this month and if I stay in this position of struggling and trying to keep paying minimum and getting nowhere I'll be dead by 40. I just want to have a life again not just an existence of work and paying bills and getting nowhere. I've been doing that for so many years that it's really starting to kill me.

[chriselle]

you might get away with 6 months, just have to deal with the phone ringing nonstop.

[SMinGA]

ps-We stopped paying 4-5 months before filing. More on some cards, depending on payment amount required.

[SMinGA]

Creditors are very unlikely to take action (other than calls, letters) for at least 3 months of late payments. Most would go to an external collection agency somewhere around 4-9 months.