topic Re: Problem at 341 meeting.. in Bankruptcy

Problem at 341 meeting..

Anonymous — Thu, 20 Feb 2020 17:50:01 GMT

Hi everyone,

First post here. So I had about 25k of unsecured debt and sought a lawyer back in December and we decided ch.7

I did all the correct steps required by the firm and courts. All the documents , tax papers. Bk courses Etc etc. All within a a few months of my 341 meeting yesterday.

I went with a well respected law firm. So the trustee calls my attorney in with me. She goes so... why dont you file taxes?! Right away my heart dropped. For some reason I brought all of the paperwork the firm said I did t need with me... handed her 2017 and 2018 tax returns. Turns out the legal assistant at the firm uploaded all of my required documents to another case file. The trustee said to my attorney you have 5 days to get me this paperwork. She said my case will be pushed back a month. After the meeting my attorney of course apologized and said the secretary had been going through health issues. Blah blah.

I get home and the owner of the firm called me and apologized and said they already uploaded the required documents and that I should not have to appear in court again.

I paid this firm 2k including the filing fee and here I am, a day after my "fresh start" and I'm more stressed than before.

Tldr: law firm messed up documents , trustee said they have 5 days to get them to her. Has anyone had missing documents during a 341 case and it turned out okay?

Re: Problem at 341 meeting..

Azuieldrago — Thu, 20 Feb 2020 18:04:17 GMT

I wouldn't sweat it too bad. Check PACER and see if those documents were added. Once they are, its fine. Things happen at 341s. Everything thing from the Trustee grilling people, creditors showing up, missing documents, even the US Trustee jumping into your case. As long as you listed everything and its factual, you will be fine.

Re: Problem at 341 meeting..

Azuieldrago — Thu, 20 Feb 2020 18:12:51 GMT

I had a creditor show up at my 341 and threaten wage garnishment. Trustee and my lawyer said not gonna happen. Now they are still trying to collect. We will see next month if they got the hint this time. Mine was a utility provider. Than I answered honestly to how a question was given but they meant in addition to. Both my lawyer and Trustee's jaws dropped on that what. Got it sorted out right there. All was fine. Got my discharge. Just make sure those docs were uploaded and you will be smooth sailing. Since you brought your tax forms anyways and the trustee saw them, now all she needs to do is verify the info once loaded. Again, you will be fine. Also, your "fresh start" really isn't until your discharge as your creditors have 60 days from your 341. Odds are, it will be smooth sailing and in no time, we will be congradulating you here for your discharge.

Re: Problem at 341 meeting..

Anonymous — Thu, 20 Feb 2020 18:19:04 GMT

Thanks for your reply and reassurance!

How do I check pacer??

Re: Problem at 341 meeting..

Anonymous — Thu, 20 Feb 2020 18:20:04 GMT

Thanks for the reply, fingers crossed 👍

Re: Problem at 341 meeting..

Harriet — Thu, 20 Feb 2020 18:57:22 GMT

I didn't t have missing paperwork but they requested another statement. I sent it the same day. Thought I was done. Two weeks past discharge lawyer office called and asked for the statement. I told them I sent it that day and sent another. Two weeks later my case was closed. That's when I learned discharge doesn't mean it's over.

That was my only hiccup and it worked out fine.

I wouldn't worry about it. I'm sure the lady got in trouble and people do make mistakes. Unfortunately this whole process is stressful which makes everything more elevated.

Re: Problem at 341 meeting..

Azuieldrago — Thu, 20 Feb 2020 19:22:14 GMT

@Anonymous wrote:
Thanks for your reply and reassurance!

How do I check pacer??

https://pcl.uscourts.gov/

Its free to sign up. But you do have to put card info in. They do charge by the page but I've literally been on there daily several times looking at everything and never hit the limit that they give before they start charging. I think its like $15. Heard it was also $30. Either way, a quick view through everything to ensure accuracy and uploaded. Mixed with every few days to check status, you will never hit that mark.

Re: Problem at 341 meeting..

Anonymous — Thu, 20 Feb 2020 20:55:32 GMT

Ugh I'm sorry for the extra stress but try not to worry! I had my 341 yesterday and since the trustee was behind, I saw the 12 hearings in front of mine and 10 people ahead of me go. But several people having their hearings were missing stuff and they were told to turn it in before the 26th of Feb. He also had hearings for people who had to be continued from the week prior for missing docs. Those ones didn't appear and the trustee just spoke into the recording that they had submitted everything.

not sure why this should delay you a month though... maybe your trustee only does hearings once or twice per month?

Re: Problem at 341 meeting..

Anonymous — Thu, 20 Feb 2020 21:20:05 GMT

Cool, thanks everyone!

Re: Problem at 341 meeting..

Anonymous — Thu, 20 Feb 2020 21:45:41 GMT

Yes, and my law firm warned me how difficult she is. That's what you wanna hear before your meeting!!

I'll keep everyone updated as well as my repair!

Re: Problem at 341 meeting..

Anonymous — Thu, 20 Feb 2020 22:09:44 GMT

Just got an Experian update. My credit score went up 72 points today to 642 lol?

Re: Problem at 341 meeting..

Shooting-For-800 — Thu, 20 Feb 2020 22:27:23 GMT

I did mine without an attorney and was missing some non-standard documents that were requested via voice mail I did not receive.

I sent in the documents a few days later and everything was smooth.

Got Ch7 discharged when every attorney I talked to said there was no way I would qualify.

Most BK attorneys are paper pushers and seems like they can't even get that right all the time.

BTW, my 341 was in an open room full of people and attorneys.

I was the only one repping themselves.

The guy called right before me and his attorney got GRILLED for almost an HOUR by the trustee! An HOUR!

I thought I was going to throw up.

Trustee asked me 5-6 questions, told me to submit docs requested, and everything worked out fine.

YOU WILL BE FINE. GL!

Re: Problem at 341 meeting..

Anonymous — Fri, 21 Feb 2020 00:08:51 GMT

Wow , yeah I heard yelling in the room right before me so the trustee was ripe for me!

Re: Problem at 341 meeting..

Scupra — Fri, 21 Feb 2020 01:50:03 GMT

I'd be asking for a credit or a gift card That is not acceptable for a respected law firm imo

Re: Problem at 341 meeting..

Azuieldrago — Fri, 21 Feb 2020 07:03:22 GMT

@Scupra wrote:
I'd be asking for a credit or a gift card That is not acceptable for a respected law firm imo

Even they make mistakes. What makes them respectable is the low frequency and how they correct it. My atty didn't include a creditor in mine, Was gonna charge me to add them. To be sure, he double checked what i gave him and went yep. Our fault, will have it fixed within an hour and it was at no charge to me. What makes them good is they admit to it, correct it and continue moving on.

Re: Problem at 341 meeting..

Anonymous — Fri, 21 Feb 2020 16:35:40 GMT

@Azuieldrago wrote:
@Scupra wrote:
I'd be asking for a credit or a gift card That is not acceptable for a respected law firm imo
Even they make mistakes. What makes them respectable is the low frequency and how they correct it. My atty didn't include a creditor in mine, Was gonna charge me to add them. To be sure, he double checked what i gave him and went yep. Our fault, will have it fixed within an hour and it was at no charge to me. What makes them good is they admit to it, correct it and continue moving on.

Yep, they corrected it within 2 hours after my meeting and they called and felt terrible, everyone makes mistakes. Just wish they didn't on my simple case. Maybe I'll play the lottery for the first time in my life? 😅

Re: Problem at 341 meeting..

FireMedic1 — Fri, 21 Feb 2020 20:39:26 GMT

@Anonymous wrote:
@Azuieldrago wrote:
@Scupra wrote:
I'd be asking for a credit or a gift card That is not acceptable for a respected law firm imo
Even they make mistakes. What makes them respectable is the low frequency and how they correct it. My atty didn't include a creditor in mine, Was gonna charge me to add them. To be sure, he double checked what i gave him and went yep. Our fault, will have it fixed within an hour and it was at no charge to me. What makes them good is they admit to it, correct it and continue moving on.
Yep, they corrected it within 2 hours after my meeting and they called and felt terrible, everyone makes mistakes. Just wish they didn't on my simple case. Maybe I'll play the lottery for the first time in my life? 😅

Could have been worse like the wrong Rx filled by a pharmacy and you got a severe buzz............

Re: Problem at 341 meeting..

Azuieldrago — Sat, 22 Feb 2020 01:54:40 GMT

Could have been worse like the wrong Rx filled by a pharmacy and you got a severe buzz............

I am on 4 different pills. Other than the life keeping one, I could do with some happy pills for a day or two.

Re: Problem at 341 meeting..

Anonymous — Sat, 22 Feb 2020 12:41:17 GMT

@FireMedic1 wrote:
@Anonymous wrote:
@Azuieldrago wrote:
@Scupra wrote:
I'd be asking for a credit or a gift card That is not acceptable for a respected law firm imo
Even they make mistakes. What makes them respectable is the low frequency and how they correct it. My atty didn't include a creditor in mine, Was gonna charge me to add them. To be sure, he double checked what i gave him and went yep. Our fault, will have it fixed within an hour and it was at no charge to me. What makes them good is they admit to it, correct it and continue moving on.
Yep, they corrected it within 2 hours after my meeting and they called and felt terrible, everyone makes mistakes. Just wish they didn't on my simple case. Maybe I'll play the lottery for the first time in my life? 😅
Could have been worse like the wrong Rx filled by a pharmacy and you got a severe buzz............

If only I could be so lucky😅

Re: Problem at 341 meeting..

Guyatthebeach — Sun, 23 Feb 2020 03:51:59 GMT

Sorry to see this happened. Just check Pacer in a couple of days to make sure the documents are there. If not call the lawyer everyday until they are. Most of the trustees are understanding as long as you're being honest and upfront with them.

I know it will be resolved promptly.