The dreaded payday loans and filing Bankruptcy

i need to know why your attorney isn't taking a more active hand as once the 341 meeting is set all the creditors in you petition have been notified,and continued calling and threatening is a no-no as the stay is executed.i would inform the trustee at the meeting today of these continued efforts to collect,and harrass.again what these two places are doing is against the law and they should really be penalized for it.

thanks Bakerjon, the 341 meeting went quick. we were the first on the list and i was in the chair for maybe 3 minutes. it seemed like alot longer but i know it wasnt. my attorney prepped us pretty good on the questions the trustee would ask. we went over them a few times before the meeting. after he was done asking and no creditors showed up he said no further questions or info is needed at this time. i guess thats a good sign.

Paul, thats a good question and i'm not sure. i wish i would have known before the meeting that i could have said somthing to the trustee about it. i continue to answer the phone and give them my case #. it feels like to me they are playing hot potato with the debts and selling them as soon as i give them my case #, and then its a new collection agency calling. i think we took care of that lady that was calling the other day saying we were in big trouble, she hasnt called since our last convo yesterday. alot of them are payday loans. i talked to this guy a few days ago and he couldnt even tell me who the origonal creditor was he was trying to collect on. but he hasnt called since then either.

I'm still waiting on the paralegal to send me the info so i can take my 2nd credit counseling class. they say as soon as i get that class done then all i have to do is wait 3-6 months to get a letter in the mail from the court. its been a long journey and hopfully will be wrapping up soon. thanks again everyone for your support and help through this tuff time.

Quick update. not a whole lot to update. filed 8/25, had 341 meeting 10/1. all is pretty quiet around here. hopfully will get a discharge paper in the next month or two. trying to be patient. although i am enjoying the quietness for once in my life, i feel like i cant really start moving forward until we get the notice of discharge. i guess its been about 3 1/2 months since we filed, a little over two months since the 341 meeting. i know they say it can take up to 4-6 months before it gets discharged, is that from the time you file or the time from your 341 meeting?

After the 341 meeting is over, your creditors will have 60 days time to file objection to the discharge of all debt. After the 60 days time period is over, court has to discharge your debts. However, if you do not turn over non-exempt property or if you violate other rules, your discharge can be set aside.

got my discharge paper today. wooooooooooooooooooooooooooooooooo

finally done. ready to start a new chapter.

Woooooooooooooooooooo bastoops..

Congratulations

thanks for the congrats. hopfully my experiance will help shed some light for people. i know i wasnt the only person in that situation, and many more will continue to fall into it. i want my experiance to bring hope and let people know who are currently struggling, that you can overcome it and make a better life for yourselfs and your familys. thanks again. i couldnt have done it without everyones help.

Hi

I been reading most of your post and I know how you feel. I myself have gotten into payday loans. Unfortuntley I got into too many borrow one from another to pay the last one. I was paying about $600-$700 every two weeks. I am not sure how I was doing it. I am tired and I need a way out. I actually started working with a debt assistance program to get this resolved. I am hoping that they can help me I feel like I am lost and so unsure if they will truly be able to help me. My other situation with all of this is that I notified my bank the one the ach withdrawls were coming out of that I was working with the program and they told me there is nothing they can do. The program that I am working with has been great they have drafted up letters for me let me know about my rights that I was not aware of. I am know over a $1000.00 over drawn on my bank account. Any advice I don't know what to do I don't want to file bk. I had to do that when I first got a divorce and I have still 3 months left before it clears my credit report. I am fully aware that I go myself into this situation and I am trying to get myself out but I don't know what to do.