Meeting of Creditors

[Ravenleader]

We filed about 6 weeks ago, and went to the Meeting of Creditors this morning(None showed up). We sat down front in order to hear what to expect from the Trustee. I was surprised by the first couple as they didn't have about three items that the Trustee's letter said they would need. As stated in the letter their meeting was adjourned and scheduled for two weeks later. The second couple didn't bring a bank statement for the filing date. They were told to mail it within 10 days. I provided a printout from the internet of my bank statement and that was ok.
Basically the Trustee ask me and my wife about all the things on the check list, and the trustee adjourned the meeting with a smile.
Post hoc suggestions for those about to enter the process. The clerks of the court made it clear that they could not help with legal assistance, however they would help with procedural questions. This proved to be of great help in a system geared towards making sure this work went to attorneys. Pay attention to deadlines and take copies of all the papers to your meeting.
This system is so confusing that I took their confusing attempts at directions and recreated checklist's for myself.
Also our case is fairly simple. If yours includes significant assets, and property, I think I would advise getting an Attorney. If your case isn't complex then you really don't need an Attorney. In the first two cases we watched, their attorneys just sat there and fought falling asleep. It made me real glad I didn't pay $1500 for nothing.
I am truly relieved this much is done, now I just try to prepare for whatever they might throw at me until its over.

[lrprn]

Congratulations for getting through your 341, Ravenleader! Welcome to the 60-day club! Hope the days fly by quickly and quietly for you.

[keepmine]

Don't forget the debt management class.

[Ravenleader]

Debt Management Class

We have reserved two seats for the 21st of July. Our deadline is Aug 8th. I have big post-it notes on my computer terminal to remind me.

[slg1234]

I met with my attorney and then turned in all the requested paperwork. When I met with the paralegal to fill in the blanks of the paperwork we went over how much money was in my checking account. I explained to her that my direct deposit hit that day and I had also written a check for about 80% of what my check was for some car repairs. I asked the paralegal if we should wait to file until that check clears and she told me not to worry about it. She stated that the trustee they deal with never even asks for bank statements he just goes by what the attorney 'says' is in the bank account at the time. She stated that he used to ask for a bank statement to prove what was in the account at the day of filing but after seeing that what they report is always accurate he just always take whatever amount the attorney states is in there. So the amount she stated for me was what it would be after that check cleared but after looking at my account for that specific day it is not even close.....Should I be concerned or should I just trust that my attorney "knows" what these trustees ask for?

[Ravenleader]

The couple ahead of us forgot their bank statement and the trustee ask how much was in there and when the couple started to ask each other what the other one thought, the Trustee said,"Well there isn't any more than your wages deposited is there?" and they said no.
From this I gather that they are seeing if you have more than you earned in there, and if so, where did it come from.