HI All!

Just got back from my hearing (meeting with creditors).
First of all. I was very nervous going in, nothing to be afraid of
here. As long as you are honest you will be fine. I had to sit in a
mid sized room with all of the other cases waiting to be heard. This
is good because you can prepare yourself to answer the questions,
they are pretty much all of same.

First I had to stand and raise my right hand and take the
oath. Then the trustee needed to see my ID, with my SS number on it.
No problems there. The he sked if I owned any property, which was
no. Then how I ended up in this situation. Which was I accumulated my
debt because I had divorced several years ago and absorbed the credit
card debt ($37K) which was used on credit cards that had only my name
on them. Asked where I worked and what I did there. Who I rented
property from. Was I involved in an accident or was I in a position
to sure anyone at this time. Then asked if there were any creditors in
the room to spek about my case, the answer, for me and the apprx. 20
other people there was NO. Trustee said I will file this, have a
nice day.

Thats it...

I want to thank everyone here, Brett Weis, who answered some
questions and Tom, and everyone else who helped me through this.

Here's to a new life!!

JJ (Rory Bellows)

Thanks so much for sharing this, and to all who have told their
stories. It seems like so much of the battle is mental. We are
programmed to be so ashamed, while corporations talk about "market
conditions" when they have bankruptcies and the CEO's walk away with
tremendous assets, leaving the employees in the cold. Not that
soul-searching isn't in order, just sane soul-searching. :>)

rorybellows <jjd0405@aol.com> wrote in message news:<t6n3d0hqa7epvlrl567sk1lbq9dvkmpicv@4ax.com>... HI All! Just got back from my hearing (meeting with creditors). First of all. I was very nervous going in, nothing to be afraid of here. As long as you are honest you will be fine. I had to sit in a mid sized room with all of the other cases waiting to be heard. This is good because you can prepare yourself to answer the questions, they are pretty much all of same. First I had to stand and raise my right hand and take the oath. Then the trustee needed to see my ID, with my SS number on it. No problems there. The he sked if I owned any property, which was no. Then how I ended up in this situation. Which was I accumulated my debt because I had divorced several years ago and absorbed the credit card debt ($37K) which was used on credit cards that had only my name on them. Asked where I worked and what I did there. Who I rented property from. Was I involved in an accident or was I in a position to sure anyone at this time. Then asked if there were any creditors in the room to spek about my case, the answer, for me and the apprx. 20 other people there was NO. Trustee said I will file this, have a nice day. Thats it... I want to thank everyone here, Brett Weis, who answered some questions and Tom, and everyone else who helped me through this. Here's to a new life!! JJ (Rory Bellows)




Thanks you for relating that. As someone who will be filing within the
week or so, and will be in your boots soon after, I appreciate it. I'm
trying not to be nervous and am doing pretty well so far. After all,
it wont do any good. BUt I expect the night before will be rather
sleepless anyway.

Thanks you for relating that. As someone who will be filing within theweek or so, and will be in your boots soon after, I appreciate it. I'mtrying not to be nervous and am doing pretty well so far. After all,it wont do any good. BUt I expect the night before will be rathersleepless anyway.

My Friend,

Don't sweat it, really, don't. In hindsight, this was not a
difficult thing to go through at all. In fact the hardest thing about
my day in court was getting there (I had to go to Boston, which is a
nightmare traffic wise. And I was a little late for my hearing, but
my name was not called until about 15 minutes after I got into the
room.) I do suggest getting there as early as you can. Just to be
able to hear those cases that come before yours is called. In this
way you can listen to the questions that the trustee is asking and get
idea of how you want to answer them. Of course this is all truthfull
and they should all be no brainers. With the exception of the "how
did you find yourself in this situation" question. I already had an
answer for pretty much anything that came my way, in a prompt, precise
answer. One case that came before me involved an individual that
apparently had a sizeable amount of debt that was incured due to
gambling losses. When asked about this, their answer was very shaky,
and unprofessional. They used phrases like "you know", "with my
friends, we like to go out and play, you know?" The trustee did not
know, and resorted to further probing. This gave new meaning to
digging yourself a hole. And led to further questions, as the person
appeared to be avoiding the question. Be honest, you have nothing to
lose. The case was filed anyways, but not after a barage of
questions that this person was not ready to answer.

The trustee won't ask you anything unreasonable, after all, your
trying to get your debts (bills) forgiven and disolved. And in all
likelyhood there are people in the room who are in much worse
situations than you.

Get all the info you can here. I found this group to be as much
help as my lawyer was, only they can't file and sit next to you
during the proceedings.

One thing I saw that I don't recommend is handling your case
yourself. I did see a few people who were attempting that. And it
appeared to be a very uncomfortable time for them. If they were asked
questions they werent prepared to answer, they had no life line. I'm
not trying to say they were being asked anything out of line. But it
definetly helped me and others who had legal representation with them
to be prepared. My Lawyer pretty much went over with me before my
case was up everything that I would be asked, and how to answer it.
After all, thats what you are paying for.

Having just gone through this I plan on sticking around here for
quite awhile, to help others in or contemplating this.

JJ

"Joe" <in2deep@airpost.net> wrote in message
news:55d55af2.0406182041.40c5b3d2@posting.google.c om... rorybellows <jjd0405@aol.com> wrote in message
news:<t6n3d0hqa7epvlrl567sk1lbq9dvkmpicv@4ax.com>... HI All! Just got back from my hearing (meeting with creditors).
<snip> Thanks you for relating that. As someone who will be filing within the week or so, and will be in your boots soon after, I appreciate it. I'm trying not to be nervous and am doing pretty well so far. After all, it wont do any good. BUt I expect the night before will be rather sleepless anyway.

Most of the time people leave the meeting of creditors saying, "that wasn't
too bad!" If your papers have been thoroughly prepared, you've disclosed
all your assets and liabilities, you've sent in the documentation that the
trustee requires, and you're qualified for the chapter, there's nothing to
the meeting of creditors.

My job there is even easier. After I've said "[My name] appearing for the
Debtors who are present and have completed the questionnaire," I'm usually
finished for the day. The trustees simply don't waste time on an honest
debtor that deserves relief.

rorybellows <jjd0405@aol.com> wrote:
Thats it... I want to thank everyone here, Brett Weis, who answered some questions and Tom, and everyone else who helped me through this. Here's to a new life!!

Hey, congratulations!! Best of luck to you.

Kindest regards,

Tom

----------------------------------------------------------
Free help for businesses, families, and individuals facing
past due debts and taxes: http://www.insolvencyhelp.org
----------------------------------------------------------

Thanks Tom!!

What a feeling of RELIEF!!! I can recommend this enough, as long
as the circumstances are right, which depends of course on your
individual situation.

J RB




tom <tom@aluminum.miller.net> wrote in message news:<M7adnTsKHrkUv0fdRVn-uA@comcast.com>... rorybellows <jjd0405@aol.com> wrote: Thats it... I want to thank everyone here, Brett Weis, who answered some questions and Tom, and everyone else who helped me through this. Here's to a new life!! Hey, congratulations!! Best of luck to you. Kindest regards, Tom ---------------------------------------------------------- Free help for businesses, families, and individuals facing past due debts and taxes: http://www.insolvencyhelp.org ----------------------------------------------------------