Good evening all,

I am new to the board and just recently filed Chapter 13 in CA and am terrified of the upcoming 341 hearing and confirmation hearings. As it currently stands my payment will be quite significant and assuming all creditors due file claims will be around 60% of my balance...

I've recently filed and have some questions regarding reaffirming my car:
i reside in New Jersey and want to keep my car. I'm current on payments (never late). Some say reaffirming the car is good and some say not good. We really need this car bc this the only sort of transportation we have and...

Hi,

Hoping I can get some insight here on chapter 7 in New Jersey.

After fighting so so long my husband has given the green light on bankruptcy. Due to illness starting 3 years ago and a car accident we fell behind on things and it snowballed.

We live in NJ,...

I'm so ashamed that My life has came to this. 😢


Just received notice, that our home will be foreclosed on May 19th.

Seems that Chapter 13 is the only option We have left. We're behind almost $8k.

We also have medical bills, approximately $25k between...

I had my 341 meeting for chapter 7 in Atlanta today...what a mess. Probably the biggest issue was that I pre-paid my dentist prior to filing - from my bank account, not on credit cards - for a procedure to be done 2 weeks later. The dentist required pre-payment, and the procedure was phase 2 of dental...

I am so relieved. My story began 5.5 years ago with a trustee’s audit, a ‘Presumption of Abuse’ and a Dept. of Justice Audit thanks to an inexperienced BK lawyer. It’s a long read but I can’t imagine anyone going through this gauntlet again so I chose to share the major lessons I learned...

So I filed in November and have my 341 later this month for a joint Chapter 7 with my wife. We have no real assets, other than 2 cars. No real estate. A significant amount of unsecured debt, combination of credit cards, payday loans, credit lines, etc. We haven't used any credit for several months...

It seemed that the questions on the form the trustee gave everyone at the 341 were about the present time, the time before filing and the future after filing--I had thought that once you file, whatever you earn or do since that date, as long as it didn't begin before you filed, was excluded from the...

It is today and I am a nervous wreck. We know it is going to be an asset case. I had a mutual fund that failed to get discussed wiht anyone, even though we asked, so we now know that will be taken. I also will be telling them that we will need to ammend our schedules. We did mark that we had transfered...

(San Diego) So 15 minutes before I go to see the trustee, my lawyer looks over my bank statements and with a confused look on his face pulls me into the hallway.

He says he's concerned about the expenses not being enough to offset my income (I'm self-employed) and suggests that I don't...

My 341 meeting is scheduled for tomorrow and I'm suddenly nervous! I've been pretty calm until today. I've read that most of the 341 meetings run smoothly and are over in minutes but I can't help but feel nervous. I'm nervous that creditors will show up and harass me or that the trustee will find some...

We had a 341 this morning, and it was a breeze. It literally took about 3 minutes. We had to state our names and addresses, say yes to whether it was our petition, whether we understand it, whether it's our signatures, and whether it is our tax return copy that trustee gave back to us.
That was...

Filed pro-se August 7th, individual CH7, most of my debts are from my business so I discharged my libility on them. Among several active accounts, most of the accounts included on the matrix dont show up on my credit report and in fact, many of them are 10 yrs old or more and out of the statute of limitations,...

First, just wanted to say a huge thank you to this forums posters. I have been lurking/learning for a good amount of time. I'm happy to say our case has been filed for 7 on 1/7/12 and now it's time to ask the experts! (Yes, I will ask my attorney, but I respect all of your thoughts as well)
...

Hello everyone, i logged on to pacer and saw a request from a lawyer to the court requesting filing documents.. I then googled his name and it looks like he represents one of my creditors. is he just fishing for stuff? or is there something else?

Thanks!