Had my Meeting of Creditors for Ch. 7 today. I filed pro se.
I’m a single parent and after 1 of my children developed a disability 2 years ago, I had to stop working to care for them. I’ve racked up nearly $100k in medical and (mostly) credit card debt since, including a EIDL loan from the pandemic days (formally self employed).
The *trustee* flat out asked while rolling her eyes (and taking deep audible sighs of annoyance when I haven’t even spoken yet…) “why are you even filing for bankruptcy?” It wasn’t like she was actually asking me, it was rhetorical.
She asked why was I filing if I “literally had nothing left for creditors to take” (which is true, I own nothing of value anymore, accept a $13,000 in unclaimed property from looong ago that I didn’t even find out about until I started filing bankruptcy).
She said multiple times… “what are you even doing here?
I tried to explain, I’m a professional adult and I spoke friendly… and she just rolled her eyes, sighed loudly and said “oookkayyyy then”.
And now I’m so confused. I was advised through free legal aid that bankruptcy was my best option, as I see no way I can even make payments on any of my debt in the next few years.
I was so embarrassed, I started crying.
Should I not have filed? Just let debt continue to linger for years?
I’m so alone and exhausted.
*Edit: changed “judge” to “trustee” once I recognized I mis-labeled this accidently *
submitted by /u/BlendedAF
[link] [comments]