I can’t believe it I have been watching people post this and waiting for my time!! I was laid off in Nov last year so I had no income. I had to look back at my petition it says: October 8th 25, 341 meeting November 12th 25, Discharged January 13th, and the letter was received in the mail on January 20th 25. (Thought I’d add this because I thought it would be emailed and was wondering why it was taking so long.) I got a job around Dec 1st so I was afraid that would change if I could continue with the bankruptcy even though I am well below the amount for the means test.
Meeting: It wasn’t that bad but my nerves were getting to me. I got in maybe 10 minutes early and i didn’t get in till maybe 30 minutes after the meeting time. The few people before were asked the simple questions we all hear and were sent away. One lady’s meeting was pushed back she had an error on hers freaked me out. When the trustee got to me she asked the same simple questions but then asked me what the deposit for 5k to my account was. I had to sell my motorcycle for bills and to pay for the lawyer. She said okay maybe asked two more questions and sent me on my way.
Debt Classes: They were simple the first one I had to do a little chat session with someone from the website and they make you complete a budget chart but I didn’t have any income so it was just the bills. I complete the last one a week before the last day so I was worried.
More: I don’t have property but me and my boyfriend have three cars. I co signed on his car and the other two are mine. We were able to keep all three. His car acc will show that his co signed filed for bankruptcy and he had to pay through the phone but it didn’t affect him at all. I had five debts I believe about 25k-30k. I paid 1500 for the lawyer and 300 for fees if that helps anyone as well!
If you have questions ask your lawyer and make sure to meet deadlines you will be fine! If you don’t feel comfortable with your lawyer find a new one don’t feel pressured to stay with them. Also my paperwork clearly says discharged but the paper scared me because it had the normal disclaimer saying not all debts are discharged I was like what??
So now I’m guessing I start looking for a cc to build my credit back up? After discharge nothing I do will put out any red flags right like opening a new checking account?
submitted by /u/fluffyboog
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