Well, after all my worried, sleepless nights and trembling days, the days last summer when I was sure I'd have to face some kind of AP, not to mention the times I detested my attorney and was sure his incompetence would mean my case being closely scrutinized... I have been discharged!!!
Thanks to all here who gave aid and comfort during this horridly stressful time. I am so grateful for what I still have, and for the bk laws. And I know I'm fortunate to live in a state with generous homestead exemption laws, it would have been a worse nightmare but for that.
My 341 lasted about two minutes or less, I was asked nothing except general type questions like did I understand the chapter I was filing and was everything on my petition true and correct. Still, up to that point, filing a chapter 7 was one of the most stress filled experiences I have ever had.
One of the reasons I felt so stressed is that a few years ago when the credit card companies were giving out cards like penny candy, I did a few apporamas and exaggerated my income to have more credit available. I never dreamed that would come back to haunt me, I just thought it was going to help me over a temporary blip in income. Hah, I also never dreamed that just a couple of years later the country would enter this dark recessionary time that has lasted over 4 years now. So in spite of the fact I paid my bills faithfully and on time by juggling the balances back & forth among cards, up until a couple of months before filing, I was still extremely worried my old applications would be dredged up and used against me. But the deadline for objecting passed and I felt so relieved. I will never get into CC trouble again, I know that!
Maybe I didn't deserve it, but I have a court order saying I was "entitled to a discharge," so I'm thankful. And have plenty to celebrate this year.
Thanks to all here who gave aid and comfort during this horridly stressful time. I am so grateful for what I still have, and for the bk laws. And I know I'm fortunate to live in a state with generous homestead exemption laws, it would have been a worse nightmare but for that.
My 341 lasted about two minutes or less, I was asked nothing except general type questions like did I understand the chapter I was filing and was everything on my petition true and correct. Still, up to that point, filing a chapter 7 was one of the most stress filled experiences I have ever had.
One of the reasons I felt so stressed is that a few years ago when the credit card companies were giving out cards like penny candy, I did a few apporamas and exaggerated my income to have more credit available. I never dreamed that would come back to haunt me, I just thought it was going to help me over a temporary blip in income. Hah, I also never dreamed that just a couple of years later the country would enter this dark recessionary time that has lasted over 4 years now. So in spite of the fact I paid my bills faithfully and on time by juggling the balances back & forth among cards, up until a couple of months before filing, I was still extremely worried my old applications would be dredged up and used against me. But the deadline for objecting passed and I felt so relieved. I will never get into CC trouble again, I know that!
Maybe I didn't deserve it, but I have a court order saying I was "entitled to a discharge," so I'm thankful. And have plenty to celebrate this year.
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