Lost employment along with a six-figure income 9/2013.
As a man in his mid-50's regaining that level of income was impossible to find again so I plugged along the best I could by paying the minimums with a drastically reduced income.
The hole just got bigger.
I filed BK7 on 3/31/17.
My 341 hearing is 5/9/17 and I'm a nervous wreck but according to my Attorney I have no reason to be.
I'm keeping my home "as contracted" (I'm not past due with my Chase mortgage) and on the advice of my counsel I'm not reaffirming.
Once discharged I plan on following the advice found here to get back to a 700+ CS.
I'm blessed to have stumbled across this forum and look forward to posting my progress.
Keep me in your good thoughts!
As a man in his mid-50's regaining that level of income was impossible to find again so I plugged along the best I could by paying the minimums with a drastically reduced income.
The hole just got bigger.
I filed BK7 on 3/31/17.
My 341 hearing is 5/9/17 and I'm a nervous wreck but according to my Attorney I have no reason to be.
I'm keeping my home "as contracted" (I'm not past due with my Chase mortgage) and on the advice of my counsel I'm not reaffirming.
Once discharged I plan on following the advice found here to get back to a 700+ CS.
I'm blessed to have stumbled across this forum and look forward to posting my progress.
Keep me in your good thoughts!
Best of luck to you and CONGRATS on starting anew. I think many of us might agree that the nervousness is related to the unknown, but I personally promise there is nothing to fear. Speaking for myself I can say that my 341 meeting seemed almost informal compared to what I expected. Answer the questions directly and clearly - don't whipser like I did because I was so nervous - and you'll be fine 
As far as the myFICO forums - I promise the community has been a Godsend for me. Financially I am in so much of a better place than I could have ever imagined and life after filing has been far easier by simply having resources, guidance and even support from others who have experiecned the same.