So I filed on March 1, 2012, I had my 341 Meeting on April 6, 2012 and was discharged June 6, 2012. I received my "walking" papers in the mail about a week ago !!! It's official !!! I filed Pro Se No Asset Consumer Chapter 7 in Missouri. I finally have the fresh start I deserve...

Good evening, I'm new here so bear with me please. My question has several parts and is pretty long.

So here goes... I helped my fiancee file a Chapter 7, Consumer, No Asset Pro Se. He was being garnished and needed to file quickly. So we were able to get the garnishment stopped by contacting...

I have been sick since the 19th, the day I did the emergency petition. (a debt collection 3rd party was suing me)

I went to the library and checked out about 5 books, 2 of them were very helpful. I have no choice but to go through with this as a lawyer won't touch it now. I am stressed...

I have waited since July 18, 2011 to use that smiley and THANK GOD I can finally use it!!! I cannot thank everyone on these boards enough for all your help and guidance. As a pro se filer who was green not only in the ways of bankruptcy but also in life (only 23!) the assistance...

Hey everyone - I have my reaffirmation hearing tomorrow at 10 am for my car. I know that many of the threads recommend against reaffirming car loans but for me, I can't afford to get a new car and, while my car was overpriced to begin with, I love it and only have 12 more months of payments on it. ...

Hi!

So, I owe about $175K in student loans, $28K of which are private. Am current with loans (was continually deferring feds or paying $50/m). I was discharged from Ch.7 in Sept'10 and we filed an adversary proceeding to try & eliminate or reduce my student loan debt. I have a good...

Hey everyone - I just got back from my easy-breezy 341 meeting. Like everyone on here has said IT IS QUICK! I know there are exceptions, of course, but my meeting was pretty by the book. I apologize in advance if this post is long but I just want to explain how my meeting went and hopefully calm the...

God bless these forums! You guys have helped to quell (some) of my fears about my 341 meeting tomorrow morning. I contacted the trustee who confirmed that all of my documentation had been received (an e-mail I WILL be bringing with me tomorrow). I'm just nervous because the law office representing my...

Hi,

First time poster here... But I have decided to declare Bankruptcy (Chapter 7) due to unforeseen circumstances.

There are a few items I would like to ask for clarification. But first I'd like to give a brief background...

1. I was stationed in California...

I'm new on this forum, but I wanted to share some information about electronic filing in Iowa.

Iowa is moving over to filing with the courts electronically with a county by county rollout. Unlike most states, electronic filing will be mandatory in Iowa for all filers, including pro se....

I always check my trustee's web site about a week after I mail a payment just to be sure it was received and credited. A couple months ago I noticed a "delinquency amount" in the upper right corner, but I know all of my payments had been received, and on time, so I shrugged it off as a web...

Hello I am currently in a chapter 13 case, and I have decided to go chapter 7. Can you please tell me what forms I need to file with the trustee. I am thinking I just need to file a motion to change chapters, and a motion to add a few creditors that was left out off the 13 case. I do not want to pay...

At my Trustee's insistence, my confirmation order clearly states that I must provide him with copies of my income tax returns within 10 days of filing and surrender all income tax refunds to him during the term of my plan. It's cut and dried, black and white and unquestionable.

Normally...

My husband and I filed Chapter 7 without an attorney on Nov. 5th. We were told all kinds of horror stories about people who filed pro se. But I'm here to tell you, we sailed through.

The trick is to read everything on the Bankruptcy Court site and ask the court clerk all the questions...

I don't believe attorneys are necessary when filing bankruptcy. I filed my bankruptcy petition pro se and even started my own business at [Advertising link removed. Not allowed w/o permission from owner/Administrator. Please see forum rules at http://www.bkforum.com/announcement.php?f=3] I'm interested...