My Bankruptcy Meeting Did Not Go Well. – Linda

“Dear Steve,

Deep in debt from poor choices, paycut and gambling because of depression, took your advice and filed bankrubt

Today I had my 341 meeting, it did not go well. There were papers that didn’t get included, my attorneys fault. he never asked for them. The trustee was also upset when I could not tell him how I spent a home equity advance. My attorney never mentioned he would ask and I honestly forgot, but I had all the records at home.

Thats not the worst of it, just got home and there was a message on my machine from my attorney saying we may not be able to keep the house. My father lives in it, hes 80 years old, I will move in there if I need to in order to save it. I already told the attorney this more Than once. I will find out more when I talk to him. My question is, can I back out of this bankrubtcy? I would rather use my 401k and be broke than lose the house. My fathers health could not take it and I will lose it i f something happens to him because I have to make him move. I thought I had a good attorney, I feel so overwhelmed by blood pressure is sky high.

Linda”

Dear Linda,

Wow, so sorry to hear about the snafu. I know your stress level is really high right now but here is what you can do today to see what can be done.

A bankruptcy filing can always be withdrawn before discharge but you will have it on your credit report anyway. So it seems the most prudent thing to do at this point is to contact another local bankruptcy attorney and get a second opinion on your case to gain some clarity about what can be done.

That’s an important thing to do to make sure that we’ve sense checked the situation before you react and make and rash decisions.

I’m not certain from what you’ve said if things were missed, forgotten or overlooked. It seems like the attorney might have more information that can shed some light on the current situation.

Sincerly,
Steve

You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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