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341 Today.... So Nervous....

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CreditExpressNJ
Established Contributor

341 Today.... So Nervous....

My 341 is today I never expected the day to  get here so fast.... I am so nervous i dont know what to do with myself..... hope i do not babble when being asked questions if any......

CH7 Filed (3/29/17) - 483 EX 516 EQ 517 TU Discharged (5/31/17) - 559 EX 538 EQ 501 TU Current (1/18/22) - 690 EX 683 EQ 671 TU
Current Cards

Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: 341 Today.... So Nervous....

Well wishes!

Update us on how it went.
Message 2 of 10
CreditExpressNJ
Established Contributor

Re: 341 Today.... So Nervous....


@Anonymous wrote:
Well wishes!

Update us on how it went.

Thank you!!! And will do hopefully its as short as everyone elses i hear on the forum....The faster the better so it can just be over.....

CH7 Filed (3/29/17) - 483 EX 516 EQ 517 TU Discharged (5/31/17) - 559 EX 538 EQ 501 TU Current (1/18/22) - 690 EX 683 EQ 671 TU
Current Cards

Message 3 of 10
LiveLife88
Established Member

Re: 341 Today.... So Nervous....

It felt like my 341 came up quick too, and I was soooo nervous becaue I didnt know what to expect.

However once I walked in my attorney reassured me that I had nothing to worry about.

I was in and out in about 10 minutes. I simply had to verify some personal information, and answer a few questions about information that was already provided on the filing papers, and that was it.

No creditors showed up, I didnt reaffirm anything so I didnt have to worry about that. Just had to wait for my discharge.

 

I hope it all goes just as smooth for you, good luck!

Message 4 of 10
CreditExpressNJ
Established Contributor

Re: 341 Today.... So Nervous....

Update!!!

Went easy as everyone says it is. A few yes and no's and then it was over I think I spoke to trustee maybe 3 minutes if that before it was over. Excited for this new start
CH7 Filed (3/29/17) - 483 EX 516 EQ 517 TU Discharged (5/31/17) - 559 EX 538 EQ 501 TU Current (1/18/22) - 690 EX 683 EQ 671 TU
Current Cards

Message 5 of 10
EW800
Valued Contributor

Re: 341 Today.... So Nervous....

Congratulations!   Very happy for you!   Smiley Happy

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 6 of 10
Anonymous
Not applicable

Re: 341 Today.... So Nervous....

My 341 is tomorrow I wasn't nernous until now. Now I am wreck I am reaffirming my car. I'm hoping I am in and out quick.

Message 7 of 10
FireMedic1
Community Leader
Mega Contributor

Re: 341 Today.... So Nervous....

Dont be nervous. I was. I reaffirmed my truck. My attorney knew the trustee. The guy was funny as heck. The people before me while I waited my turn. Their attorny screwed up the income part and he jumped on the lawyer for messing up the income. Told him he's getting too old and to start buying velcro sneakers. I laughed and then was told to be quiet. Oh snap! Once I hit the table. He said finally a easy case. 4-5 questions, 3-4 mins. later I was gone. Nothing to it. You'll be fine.


Message 8 of 10
Anonymous
Not applicable

Re: 341 Today.... So Nervous....

What questions do they ask? Is it more so along the lines of verifying information they already have?
Message 9 of 10
sarge12
Senior Contributor

Re: 341 Today.... So Nervous....


@FireMedic1 wrote:

Dont be nervous. I was. I reaffirmed my truck. My attorney knew the trustee. The guy was funny as heck. The people before me while I waited my turn. Their attorny screwed up the income part and he jumped on the lawyer for messing up the income. Told him he's getting too old and to start buying velcro sneakers. I laughed and then was told to be quiet. Oh snap! Once I hit the table. He said finally a easy case. 4-5 questions, 3-4 mins. later I was gone. Nothing to it. You'll be fine.


Yes, people fear this meeting way too much, it really is usually quick and easy. I actually wonder if it is called a 341 meeting because that is the average number of seconds most people have to spend answering questions...341 seconds.

TU fico08=812 07/16/23
EX fico08=809 07/16/23
EQ fico09=812 07/16/23
EX fico09=821 07/16/23
EQ fico bankcard08=832 07/16/23
TU Fico Bankcard 08=840 07/16/23
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 10 of 10
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