I got my discharge three weeks ago, on August 31st. I couldn't believe it! I didn't think it would come until September.

It came in the mail. At first, I saw US Bankruptcy Court and I was worried there was some sort of objection, so you can imagine the shock when I read that it was a...

I am posting this about a month late.

I had my 341 meeting on June 22 (I filed May 5). Other than getting a parking ticket, everything went smoothly.

It took place in a little room- for whatever reason, I was expecting a courthouse like you see on TV with criminal trials....

You sound like me. I have always paid my bills and my credit is actually very good. The only black mark against me at the moment is a rather high debt-to-income ratio. It was very difficult for me when the attorney told me to stop paying all unsecured debt, even my student loans for now. *choke*...

I really like my lawyer. He is a very nice older man. His father and grandfather and son were all bankruptcy lawyers. He is a trustee, as is his son.

Anyhow, he will be coming with me to the 341. I hear that some folks on here have lawyers who will not accompany them to court. That's...

Now that I've filed, it's nice not having to hear anymore calls. I hear that some folks deal with these calls for months or years on end before they finally decide to go bankrupt. Wow! How do they live like that? I am glad we had the money available to go ahead and file for bankruptcy because I would...

Just saying hello and letting everyone know that I filed yesterday! I had my first lawyer meeting back in mid-March, so it's been a month and a half long process to get everything ready and all done. Really wasn't much work for me, though. I just filled out the big paperwork packet and the...

I turned in all the paperwork to the lawyer a week ago, the day after we closed on our refinance. We finally got our refi on our house (new rate of 5.5% ) and got rid of our second mortgage, too by refinancing, so that really frees up our wallet.

The lawyer assistant told me I...

Our lawyer told us to stop paying credit cards now if we know we are going to go Chapter 7.

Yesterday, March 17 was the first time I have defaulted. I was a little uneasy about it, as I have never missed a payment. Although we've only been paying minimums, we've done well keeping up the...

Today we met with the lawyer that we have selected to handle the bankruptcy. I had spoken to several on the phone and chose this particular lawyer due to his experience and the fact that he is a trustee. His son is also a trustee, as part of his firm.

It was a great meeting....