Finally!! He filed!!!

[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!

[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.

[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.

[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