Filing Appointment Sept 24

[Anonymous]

It's official. I'm going bankrupt. But it feels so good!

I'll be meeting with my attorney 9/24 to gather everything to file, and then October 1st everything will be turned into the bankruptcy court.

What should I expect? I'm nervous and excited all at the same time.

[Anonymous]

Also, I'll be filing 7.

[Pway]

---

@Anonymous wrote:
It's official. I'm going bankrupt. But it feels so good!

I'll be meeting with my attorney 9/24 to gather everything to file, and then October 1st everything will be turned into the bankruptcy court.

What should I expect? I'm nervous and excited all at the same time.

---

Congrats on taking the first step of getting that part of your life back.  I'm sure we can all attest to the nervousness we felt when meeting with his/her attorney and filing.  There is nothing really to stress about though.  Just keep it honest and open and you should be fine.  I know the feeling.  I am now able to sleep at night and now worry about creditors on my back.  I can answer my phone without looking at the caller id, because that part of my life is long gone. 

I wish you the best and good luck.

[Anonymous]

No reason to pay anything at this point...but also don't go out and buy a bunch of stuff either. Know that there is a light at the end of the tunnel. Get ready for cash only for a few months, then see what happens.

[Anonymous]

Good going... I can tell you from my position, absolutely horrendous credit report, 30-40 collection accounts, strange phone calls, judgements, it all has come to an end. I'm about 3-4 weeks from discharge and I've seen more than half of my collection accounts disappear, the phone calls have all stopped and all but 5 accounts are reporting 0 balance IIB. There's light at the end of the tunnel,follow it!

[0REDSOX7]

Let me ask you this.

Have you retained your attorney yet?  If not, and you stop paying, get ready for the collection calls.

My attorney allowed me to pay him $400 to "retain him" even though it was going to take about two months to pull everything together.  This way, when a creditor called, you tell them you have retained an attorney and all calls regarding this matter are to go through him.  You provide your attorney's number - and they stop calling you.

[ezdriver]

---

@0REDSOX7 wrote:

Let me ask you this.

Have you retained your attorney yet?  If not, and you stop paying, get ready for the collection calls.

My attorney allowed me to pay him $400 to "retain him" even though it was going to take about two months to pull everything together.  This way, when a creditor called, you tell them you have retained an attorney and all calls regarding this matter are to go through him.  You provide your attorney's number - and they stop calling you.

---

This is great info and I highly recommend doing this.

Also, it is important that you understand that credit transactions done just before filing [how long depends on the trustee] cna be viewed negatively by a trustee and  be challenged. The idea is that if you cannot now pay your bills, why run up new bills.