341 is 9:00 am in the morning!!

[justplaintired]

Glad it went well, now all you have to do is wait for the discharge day!! Welcome to the 60 day club!

[hamburgervol]

Thanks! Seems strange to make you park it. Did he say you had to leave it at the court garage or park it at home and wait for them to pick it up? If he wasn't real clear and since you have insurance prepaid. I would drive it until they ask for it back!

He just said park it. He did ask if the insurance was current. I don't want to risk anything, it will sit.

[notforsale]

I don't blame you! It's not worth the risk!!

[doingpoorly]

ISeems like a waste just sitting in the garage and unable to drive it.

I'm curious, why does a surrendered car get the garage ? Seems like a waste of perfectly good garage space. Don't you have another car that would benefit from a garage ?

[hamburgervol]

I'm curious, why does a surrendered car get the garage ? Seems like a waste of perfectly good garage space. Don't you have another car that would benefit from a garage ?

We do have another car but we need two. I looking into replacing the one that will be surrendered.

[DSIG]

We do have another car but we need two. I looking into replacing the one that will be surrendered.

Did you file joint? Cant each debtor exempt a car thereby having both cars exempt? Were you advised to drive in the car you intended to surrender?

As a general comment, is the car you drive to the 341 meeting under a spotlight?

[hamburgervol]

Did you file joint? Cant each debtor exempt a car thereby having both cars exempt? Were you advised to drive in the car you intended to surrender?

As a general comment, is the car you drive to the 341 meeting under a spotlight?

We filed joint. The car we drove to the 341 was the car we're surrendering. I was not advised to drive it to the 341. Was asked if we did drive it.

We are surrendering because it's worth per NADA $9,400..owed $19,600 on it with 60 months remaining.

[Trybaby]

Help 341 on 8/25

After reading all these posts, not sure if I'm more or less nervous. I do have an issue though. I filed on 7/17/09. I got a letter from a place called Bass & Associates on 8/12 asking me to reaffirm, give back "collateral" or pay an agreed amount. The letter doesn't state what the collateral is that they want back, although I can guess. I bought a computer before filing with the intent that I would keep that one card open, make payments as part of the rebuilding process (my attorney told me to keep a card). What he didn't tell me was that I couldn't make payments after I filed.

My question is, what do I tell the trustee? I've read that they ask if you've used credit cards 90 days before filing. My attorney never asked me that question. Other than the computer, I only used them for gas, groceries and utility payments. I really had no idea i was going to file until about 2 weeks before I did it. One day i was calling an attorney, the next day I was in his office doing paperwork.

I feel sick. Any advice from someone who may have had a similar experience?

[hamburgervol]

After reading all these posts, not sure if I'm more or less nervous. I do have an issue though. I filed on 7/17/09. I got a letter from a place called Bass & Associates on 8/12 asking me to reaffirm, give back "collateral" or pay an agreed amount. The letter doesn't state what the collateral is that they want back, although I can guess. I bought a computer before filing with the intent that I would keep that one card open, make payments as part of the rebuilding process (my attorney told me to keep a card). What he didn't tell me was that I couldn't make payments after I filed.

My question is, what do I tell the trustee? I've read that they ask if you've used credit cards 90 days before filing. My attorney never asked me that question. Other than the computer, I only used them for gas, groceries and utility payments. I really had no idea i was going to file until about 2 weeks before I did it. One day i was calling an attorney, the next day I was in his office doing paperwork.

I feel sick. Any advice from someone who may have had a similar experience?

Stop worrying. Those are necessities. Just stop using the cards, especially after filing. If those were luxury items, I'm sure the trustee would have a problem.

[StartingOver08]

Trybaby, when did you charge that computer?

What kind of card was it? Best Buy?

[OhioFiler]

After reading all these posts, not sure if I'm more or less nervous. I do have an issue though. I filed on 7/17/09. I got a letter from a place called Bass & Associates on 8/12 asking me to reaffirm, give back "collateral" or pay an agreed amount. The letter doesn't state what the collateral is that they want back, although I can guess. I bought a computer before filing with the intent that I would keep that one card open, make payments as part of the rebuilding process (my attorney told me to keep a card). What he didn't tell me was that I couldn't make payments after I filed.

My question is, what do I tell the trustee? I've read that they ask if you've used credit cards 90 days before filing. My attorney never asked me that question. Other than the computer, I only used them for gas, groceries and utility payments. I really had no idea i was going to file until about 2 weeks before I did it. One day i was calling an attorney, the next day I was in his office doing paperwork.

I feel sick. Any advice from someone who may have had a similar experience?

Those collectors are violating the automatic stay. They have your attorney's info and have no business negotiating with you.


You are free to make any payment you want after you file. Maybe you misunderstood your attorney.

[Trybaby]

Trybaby, when did you charge that computer?

What kind of card was it? Best Buy?

Yes, it was best buy. All the research I've done said to ignore it. I'll see what the attorney says. Is this just a standard objection do you think?

[Trybaby]

Those collectors are violating the automatic stay. They have your attorney's info and have no business negotiating with you.


You are free to make any payment you want after you file. Maybe you misunderstood your attorney.

Thanks. The letter came to my attorney and he sent it on to me. I'm thinking it is a standard objection by a creditor. I read they have 30 days to object.

[Trybaby]

Stop worrying. Those are necessities. Just stop using the cards, especially after filing. If those were luxury items, I'm sure the trustee would have a problem.

Thanks. I have not used any cards since filing. I destroyed them all. I never want to see another cc as long as I live. I just can't wait for this to be over. I'm sick to my stomach all the time. I'm guessing maybe the computer was a luxury item but wanted to make sure my daughter had one before I couldn't get credit anymore. I also had no idea you weren't supposed to use cards 90 days before filing. My lawyer never told me that. But I literally made the decision quickly. I'm not one that knew i was going to file and went crazy. Although people told me i should....bad people...LOL

[killinstinct]

Congratulations. I can't wait to have ours over and done with!