Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do: (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.

Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Report on 341 Hearing today

  • Filter
  • Time
  • Show
Clear All
new posts

  • Report on 341 Hearing today

    Well, WOW! I'm glad it's over, but it was very stressful.

    There was one lady ahead of us who told the trustee she had spent her tax return to pay back her parents for an air conditioning/heating unit they had bought for her when hers died. As soon as she said it, I thought, "OH NO! That's going to be a problem!" Sure enough, the trustee told her that she had made a preferential payment and would have to give the court her parents' address, etc.. That was not good!

    One guy's attorney didn't show. Multiple people's attorneys showed but said their clients weren't present. Many continuances.

    One guy took 20 minutes with questions from the Trustee about an RV business, land that was sold to a friend who he now works for, life insurance payable to his kids, etc. It sounded like a very complicated case, but I got the feeling the guy was being dishonest. I think the Trustee did, too, because she kept asking more and more questions!

    Then it was our turn. We had to show drivers license and ss cards and take the "I will not lie"-oath. Then we sat with our attorney. We had to fill out a form before the meeting started that had the standard 30 questions about things like if we'd made any payments, transferred any money, understood all the paperwork, were in the middle of any lawsuits, divorce, etc...

    After that, the trustee asked a few questions about our petition. She focused on two things: PG&E and medical. She asked, "Do you REALLY pay $651.00/mo for gas and electric?" I answered, "We're on the level payment plan with PG&E, and this is what our payment has been for almost 3 years now." Our lawyer made a joke about how we couldn't even blame the smart meter for that! (He's right. Our house is an electricity guzzler!)

    Then, she asked if the total of our out-of-pocket expenses for medical were $620.00, and I said, "Yes, that is correct." (Which it is. $620.00 was the average over the last 12 months. I included a printout of the exact expenses for proof when giving it to my lawyer.)

    Then she said, "And, is this number correct? In addition to your out-of-pocket medical expenses, you pay $2,360.00 a month for medical insurance? How long have you paid that?" I answered, "Yes. When I got sick and lost my job, we lost my insurance, too. So, we had to purchase insurance directly through my husband's company, and that's how much it cost." She interjected, "...including your pre-existing condition," and I said, "Yes, and our youngest son has a pre-existing condition, as well. We've been paying it since January." She said, "Okay, I will be keeping your documents. Case closed."

    I asked our lawyer (after we left) if it was normal to keep our documents, and he said it wasn't. He thought she was keeping them in case the US Trustee has any questions in the next 10-15 days. Our case is unusual in that we petitioned to have the "look-back" dates reset (and were approved for that), and we have this unusually high medical expense. So, he thought she was keeping them to cover herself in case the US Trustee has questions. He also said that the US Trustee had requested information from him earlier in the week, and after he provided it and talked to him, he seemed content. He said if there had been any concerns, the US Trustee would have shown up at the 341 today, but since he didn't, he (the lawyer) feels confident that we're good to go.

    So, everyone cross your fingers! We're in the 60 day club!

    Last edited by Wantmypeace; 03-18-2011, 08:30 PM. Reason: grammar
    As you simplify your life, the laws of the universe will be simpler; solitude will not be solitude, poverty will not be poverty, nor weakness weakness. ~Henry David Thoreau

  • #2
    Good luck!!! Fingers are crossed for you. DH and I are hoping to join the club on Tuesday


    • #3
      Yay! Nice job with the hearing and report! Now it's just 60 days of waiting. Congrats and cheers to a smooth 60 days!
      OK - from now on it's not a "Bankruptcy." It's a "Weight Loss Program." I'm in. Sign me up.


      • #4
        Sounds like your atty did a good job prepping you for this as well - Good Luck! :-)


        • #5
          I LOVE our attorney. He was expensive ($4,000.00 for everything, including the petition to reset the dates), but so far, he has been worth every penny!
          As you simplify your life, the laws of the universe will be simpler; solitude will not be solitude, poverty will not be poverty, nor weakness weakness. ~Henry David Thoreau


          • #6
            Congratulations and good luck! My 341 is this coming Wednesday. You know, while I think my attorney has been great so far, I am a tad nervous concerning my tax return. I spent it two months ago (it was only $546), but it was not to make any type of payments or anything, just on food, went out to eat, etc. Then last week the paralegal from my attorney called stating I needed to send them my last three bank statements and my 2008 tax return, made a comment, "And I doubt the trustee will ask for your most recent tax return." Doubt? Well, it's gone. I was never once told to 'keep' it, so I guess if they want it, I'll have to come up with some money.

            I have been reading everything on any site concerning 341 meetins lately, good and bad, and I've watched a dozen or so videos on YouTube, and like 99.9% have said: 3-5 minutes and that is that. My attorney has insisted I'll be there for the 3-5 minutes, and I just keep hoping that that is true.

            ANYWAY, congratulations! Keep us posted. I'm sure everything will be great.
            Decided on Chapter 7: October 13, 2010; Retained Attorney: October 20, 2010; Filed Chapter 7: February 4, 2011; 341 Meeting: March 23, 2011; Discharged: May 24, 2011


            Unconfigured Ad Widget