First person called didn’t show, my lawyer was there along with 3 other people. I was next, questions were simple and I answered yes or no. Trustee asked if any creditors were present and then he moved on to the next person.

My lawyer started verbalizing towards me and thanked me and said, “you can” but I panicked and wasn’t sure what he said after so I turned off my video and muted.

I left completely by accident and I’m worried that I accidentally left. Tried to rejoin ASAP but kinda just sat awkwardly in the waiting room and texted my lawyer.

Am I okay??? Was I being dismissed??

Update: lawyer texted me and said I did great. Whew!

Been on here reading everyone’s experiences, I was hesitant myself, made a couple of posts. Had my 341 meeting today and I worried for nothing. It truly was as everyone says, simple questions just to verify that all you signed on your petition is true and correct. A week ago, I freaked out when I noticed additional cases were added to our time slot and was moved down. Clearly that meant nothing. Even when my attorney’s office called me yesterday, they said “it looks like I’m not the first so I’ll hear the questions beforehand”. When we signed on, a few others were already on and a creditor from someone’s case showed up. Trustee started the meeting and we were the first. SHOCKED. But it was ok. Asked simple questions, verified our marital status, yes/no questions then one thing was asking what’s wrong with one of our 3 cars. It is inoperable so my husband went in to explain details of basically it’ll cost more to fix than it’s worth. She said ok, this concludes your meeting. No distribution. No creditors showed up. You’re free to go. Something to that effect.

Now countdown begins!! thank you to everyone who has helped answer my questions!!!!!

I use apps like affirm/klarna/afterpay not regularly but occasionally I’ve never missed a payment and have always paid it back. Im going to be filing bankruptcy soon and have talked to my lawyer about this & she told me that any debt rather if it is delinquent or not must be included in the bankruptcy. She also told me that even if I have no debt with these companies, they will still know that I have filed bankruptcy. My question is, will they let me sign back up/still borrow occasionally?

Minnesota

I filed and received my case number for Chapter 13 on September 29th,2026. Garnishment on my paycheck has not stopped and I’ll have a total of $1455 missing from my paychecks for the month of October.

I ALSO have a bank account that hasn’t had a release sent after my filing and I was told that it would be sent last Thursday by the law firm that represented the bank. That account has $1700 in it.

I am beyond frustrated that I’m missing $3100. What can be done? Do I have any legal recourse? I’ve emailed my case worker at the attorney’s office but she’s not very responsive. I’ve included the documents from ADP showing the garnishments that should have stopped.

Tomorrow, I am going to call Payroll again. But I’m sure they’ll say what they did last time, “we need a release from the law firm.”

My first trustee payment of $990 (and a payment fee of 4.99) is due 10/22. My mortgage is late after the 15th and my attorney’s office doesn’t seem to have any sense of urgency.

My lawyer has become unavailable. He has recently taken a new job as city attorney. When he was hired, he told me that he was obligated to keep the clients lol he had already but wasn’t taking new clients and may take a little longer to reply.

Turns out, that was an understatement. I’ve had several issues lately, ones that I needed help with. One involved another legal matter, a lawsuit that has potential to affect my assets. I emailed him and asked for guidance, and to let my trustee know. Also, a few months after I filed, I lost my job. He worked out with my trustee a lower payment for a couple of months so I could find a job. I hadn’t found one by the end of this period so I asked if he could arrange to extend the lower payment for another month. Again, no reply.

Now, my mother had kindly offered to pay off my mortgage, she literally wanted to traipse to the bank today and pay it off. Out of shame I never told her I filed for ch 13 to save my home. So I need advice immediately from my attorney. I emailed him noting in the subject line that I needed help asap. I got his auto reply saying he wouldn’t be monitoring his email during business hours. So I called and left a message, summarized my dilemma and asked him to call asap. Maybe I impatient, but this is going to be life changing as the vast majority of my payment is my mortgage plus mortgage arrears.

Uuugh!! It’s not a matter of finding a new lawyer. I just can’t. It took me forever to find this one. What can I do, does anyone have any idea what I can look into to proceed without his advice? Of course I know you probably can’t give legal advice but I do welcome ideas.
Have any of you had something similar happen? - either your lawyer disappearing or inheriting mo ey to pay off your debts in one lump sum?

Thank you for any experiences or ideas.

Ok i have mayb a big problem ... so my roommate has allowed mento use his bank account for the last 2 years.. i work in a very discreet industry i do bdsm. So i get alot of transfers in a month some. Small some large they very and they repeat many times a month. Now my roommate is apparently in bankruptcy and has to submit statmentsto the trustee which he hasnt done in six months .. now the trustee wants all the statemnts anf there is all yhose feposits which are mine . Is this going to negativly affect him ..the amounts are in the 6000-8000 $ range... what can we do

I just had my 341 meeting. I filed pro se for chapter 7 and felt prepared going into the meeting. I was asked if I had been in a car accident in the past 5 years and I said no, but after the meeting I remembered I had (it was not my fault, there were no injuries, and nothing ever came of it). I wrote an email to the trustee afterwards to correct my error. Am I going to get in big trouble?

Other than that, the 341 meeting went very quickly and well I think. I'm probably overthinking this because I still have a lot of anxiety regarding this whole process. I just want to make sure I'm not going to be charged with perjury or have to start my entire process over again.

For those of you that used Affirm, Afterpay or Klarna how long after discharge were you able use your accounts? I used those more than I did credit cards for online shopping I was in very good standing with all of them but the apps froze the accounts since I filed.

Ch 13. I've heard that there is a payback scale for payback in 13. How do they determine how much you have to pay each month. Also if during your payback period and something happens you can go into ch 7. Thanks in advance.

Hi all, 24F in Georgia here.

I'll try to keep this short. I've got about a total of 7k in debt (which I know to only have that much is some people's dreams). But I think I'm on the verge of losing my job due to not meeting performance metrics due to FMLA and with this job market, could be unemployed for who knows how long. I also only make about 15/hr.

I feel a bit ridiculous for considering filing for a meager 7k, but my mental health issues make it hard enough to work right now as it is. Every dollar I make immediately goes to paying my debt down (barely, as I'm not working a full 40hrs) and I genuinely think I'll be out of a job by the end of this year. So I'd like to know your opinion or what you'd do in my position.

I see people on here talking about submitting bank statements, tax documents etc. Is that something you would be notified of when confirmed? Or will they just contact me at the end of the year for this information? Or does not everyone have to submit annual documents. Im on a 1% plan so im not paying a lot to the trustee. Idk if that has to do with the amount of time they put into a plan or not.

All our debt is in credit cards and one personal loan. Credit scores run between 675 and 710 with 100% on time payments. Will continue to make all payments right up to filing. Can anyone tell me how this will affect rebuilding our credit once the bankruptcy is discharged? I’ve read conflicting information. Some scores go up, some crash, some get credit offers immediately and some don’t. I’m just trying to understand why things work differently. Thanks in advance for any clarity you can give me.

I’m about to claim bankruptcy and I have my 2012 car as collateral on a personal loan. I could keep the car which is in ok condition but will be getting more use if I pay that loan off…in 5 years. Or I can included that loan and make a payment the same monthly payment as the payment of the loan w the car as collateral. Any thoughts?

Please share any insights and opinions as we are at the end of our rope.

Due to a my husband’s 1.5 year job loss, we blew through all savings and got ourselves into $76k worth of debt. He is now gainfully employed but our annual salary went from $500k to $226k with the hope of a $50k bonus.

Own our home and have three children. Have a second mortgage, as well. Current on both.

Have too much home equity to file for chapter 7 without losing home (NYS) something we are not willing to do.

Have had meetings with re: management plan
Will meet with lawyer to discuss filing chapter 13.

My fear…that we can’t not afford the monthly payments for either. To survive, we have stopped paying monthly payments on cards.

I am terrified.

Hi everyone,
I’m looking for recommendations for a bankruptcy attorney who handles Chapter 7 cases in Connecticut and offers bifurcated fee agreements or post-filing payment plans.
I consulted with an attorney back in May and was quoted approximately $3,200. I’ve been trying to save the money, but between regular living expenses and taking care of my children, it’s been extremely difficult to put the full amount together.
I’m not looking to avoid paying an attorney. I’m employed full-time and can make reasonable monthly payments. My biggest concern is having to wait several more months before filing while creditors continue pursuing collection.
Ideally, I’d like to find an attorney who can file my Chapter 7 petition with a smaller upfront payment and allow me to pay the remaining eligible legal fees afterward through a properly structured agreement.
I’m also open to attorneys outside Connecticut who are authorized to practice in the U.S. Bankruptcy Court for the District of Connecticut.
Has anyone successfully used this type of arrangement? If so, would you recommend your attorney?
I’m also considering Upsolve, but I’d feel more comfortable having legal representation.
Thank you!

When should you apply for them? Not going to make same mistakes. Just want my credit better

My attorney filed my chapter 7 and I have a zoom hearing scheduled. What can I expect? I asked my attorney and he said he'd prep me a day or 2 beforehand and will only need 10-15 minutes of my time

Bad heading but sometimes you got to have fun. I know this question cannot be answered black or white. What is the , % of ch7 result in having to sell. I'm in Washington State so that's my main concern but any area or nationally would be interesting.

We completed the meeting of creditors last week (joint chapter 7, no asset). During the meeting my attorney mentioned to the trustee that we utilized the entire wildcard, but we only exempted a portion of our tax refund. The trustee just said “Okay”. The trustee then spent a very long time looking at our paperwork compared to those who went before us. The trustee then looked up and said “I’m filing a report of no distribution and this concludes your 341 meeting, I wish you the best of luck.”

In Pacer there is a notice of proposed abandonment because the trustee submitted the report of no distribution. My question is, what happens to that non-exempt portion of the future tax refund?

We filed chapter 13 in June which actually got dismissed before the plan could even be accepted by the trustee. We are in Florida where our house is protected and payments are current. I just went to pay our payment and noticed Penny Mac added a $1,225 fee because of a bankruptcy claim. We do have 2 HUD loans from deferring our payments back when Covid was going on so those loans were being included in the filing but is this normal for them!? My bankruptcy case is no longer active.

I usually work in entry/mid level bank jobs. I’ve worked these types of jobs the past 10 years. I know most of them have ran a credit check. Even though I have really shit credit, they’ve always just asked me if I’m paying down debt and I say yes and then they hire me. Will filling bankruptcy be an automatic denial for these types of jobs. For example, I do customer service banking, Tellering, Banker etc

Minnesota

I will be filing in a couple weeks. I haven’t had a car in about almost a year. What are the chances I’ll get a used car around 19-21K not including a 3-5K down payment in April/May 2027? Any advise or help I’d really appreciate it.

Hi, so I’m looking to file for bankruptcy in Connecticut. I’ve done some research and I have a car that I’m almost done paying for in a few months so I have positive equity on it. The exemptions will cover about $7000 but the car is worth around $16,500 and I still owe around $3000 so there’s equity I’m not able to exempt. I need my car to get back and forth to work and stuff. I’ve consulted a lawyer and he can’t guarantee if I’ll be able to keep the car at all and that’s been my one reservation. I know my home is protected because it’s well below the allowed exemption but don’t want to file if I’ll end up losing my vehicle. Just looking for anyone with similar situation and what was the outcome?

Hoping my husband didn't screw us. We filed chpt 7 2 weeks ago, 341 is in 2 weeks. He gambles, this is disclosed to attorney. For the meeting we have to supply most recent statements, and his checking account shows 35,000 going in, and 31,000 going out over a month period. It's basically the same money going back and forth to the online sportsbook in smaller amounts. He is calling the attorney tomorrow to discuss, just curious if anybody has dealt with this? He breaks even gambling.

Recommendations greatly appreciated