Re: 341 was a breeze!

what does it meant to reaffirm??

Nina


>From: Paula
>Reply-To:
>To: Bankruptcy Talk
>Subject: 341 was a breeze!
>Date: Fri, 12 Dec 2003 21:14:27 -0800 (PST)
>
>Our time was set for 8:30 a.m. and we were the first for our attorney. =
It=20
>was a little depressing to see SOOO many people there in the same boat a=
s=20
>us. They swore us in, asked if we had read our paperwork, asked why we=20
>were filing, asked if there was any chance we'd get an inheritance or tr=
ust=20
>fund (I actually laughed and said "I wish" and then caught myself and sa=
id=20
>"no, sir".) He said that he found us to be a no asset case and would=20
>recommend us for discharge. We found out that our case would be dischar=
ged=20
>February 10th, 2004.
> When it was over (literally three minutes from start to finish- my so=
n=20
>didn't make a sound the entire time), one creditor handed our attorney a=
=20
>reaffirmation agreement. We didn't even know any creditors had shown up=
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>but it was Chase Automotive Finance for my husband's truck. We're=20
>reaffirming both vehicles and that's it.
> Oh, a small lesson learned here that maybe I can pass on to you. Cle=
ar=20
>back in June when we originally did our paperwork for our attorney, we'd=
=20
>marked that we wanted to reaffirm the furniture, the computer, etc. Tha=
t=20
>was before I'd learned so much from the internet! Now we just want all =
the=20
>debt gone...we'll put our bed on the floor if we have to but we're not=20
>reaffirming any furniture. Anyway since we decided to only reaffirm the=
=20
>vehicles, our attorney had to amend our paperwork to reflect those=20
>changes....and she's charging us $150 to do it! The moral of the story =
is=20
>to be very sure of your decisions before anything is permanent. On the=20
>bright side, $150 is cheaper than all the payments on those debts so if =
we=20
>have to pay an additional $150 to be rid of them, so be it.
> Oh, check this out...on our way out the door there was an attorney=20
>yelling on his cell phone at a client who couldn't come to his 341 meeti=
ng=20
>because -get this- they decided to go out of town to a family reunion=20
>instead! So the attorney is trying to explain to them, as calmly as he =
can=20
>muster, that if they don't come to the next one their case will be=20
>dismissed. I got a chuckle out of that one. Pay all that money to an=20
>attorney and then decide to skip it for a family reunion. Me? I'd go t=
o=20
>any kind of bankruptcy meeting over a reunion with my family ANY DAY!!! =
=20
>Alright, it's late, I'm rambling so good night! And thanks for all the=20
>good luck wishes!
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>P.
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>"When you get into a tight place and everything goes against you, till i=
t=20
>seems as though you could not hang on a minute longer, never give up the=
n,=20
>for that is just the place and time that the tide will turn." Harriet=20
>Beecher Stowe
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