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teekay
Registered User
Last Activity: 07-10-2018, 11:00 PM
Joined: 05-13-2017
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  • teekay
    replied to 341 is over. Can I stop stressing now?
    That trustee sounds like he was a bit nit-picky. The trustee for my 341 had my interview done in less than 5 minutes. Name, DOB, SSN, is your petition accurate, asked about the house I was surrendering as part of Ch 7 (how much I paid for it, what the outstanding balance was on the loans, asked me to...
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  • Pre-filing, my credit score was in the low 700s, from what I remember. All my payments had been on time up until a month before I filed. My biggest financial hurdle and the reason I filed for Ch 7 was to get out from a very underwater house that was burying me with huge property taxes and also flood...
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  • teekay
    replied to Just starting the process
    I felt guilty filing and missing those first payments too, but once I started learning to view bankruptcy more as a business decision rather than a reflection of me as a person, that helped me get through the process. I think I paid around $1800 for my lawyer including all the filing fees. First lawyer...
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  • teekay
    replied to Getting a new cell phone.....
    They didn't care about cell phones when I filed for Ch 7. The only time it remotely came up was when I was writing out monthly expenses with the lawyer for that portion of the paperwork....
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  • My house sold at auction Friday, thank goodness. Next steps are waiting for court to approve the sale (2-4 weeks) and then typically it's 30 days to be out of the property. We got the last few things of any value out of the house yesterday (a/c window unit, old washer and dryer that we are going to...
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  • I was about to ask this same question. I got a refund check of almost $500 from the insurance company along with a notification that they are cancelling my policy in late July (about 2 weeks after the foreclosure sale). As I don't desperately need the money for anything this minute, I plan to deposit...
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