Still Waiting

We're still here, and still going through a Bankruptcy. I think I knew Bankruptcy wasn't quick by any means, but I don't think I was expecting it to take this long!

The last time I wrote, we had attended the 341 Meeting (meeting of the creditors). It was basically our opportunity to sit down with the Trustee and go over filing and our proposed payment plan. After which, the Trustee would confirm the plan, as long as there were no disputes from our creditors and as long as the Trustee thought it was a satisfactory payment plan. The Trustee said most everything looked fine. He had a few questions, but in the end, said our proposed payment plan seemed adequate and that no adjustments were necessary at that time.

Well, imagine our surprise when we got a letter in the mail about a month ago saying that the Trustee wanted to dismiss our case! Apparently, he did not agree to some of the items and that we had to amend our filing, and it wasn't even in reference to the rental property we were worried about after the 341 Meeting - it was something entirely different. What in the world? Isn't this why we hired a Bankruptcy attorney????? So we don't run into these types of snags?!?!

We notified our attorney and they told us it was the Trustee's last-ditch effort to 'spook' us into backing out of Bankruptcy. They informed us our paperwork is correct as filed and all we needed to do was sign an affidavit and the problem was solved. Who would have thought the Trustee would try and use mind games to manipulate us? Of course, it's all new territory, so we don't really know *what* to expect, but it definitely wasn't that!

At this point, we are just waiting on the Confirmation papers from the Trustee, which will let us know the Trustee has finally approved our proposed payment plan and then we will be getting closer to the end. If all goes well, it will likely be another year or so before our case is completely discharged, but a plan Confirmation will take away some of our lingering doubt about this entire process. Almost four months after we first filed our papers and we're still in limbo! Now we know that Bankruptcy is not a short process.

***

Oh, and we did eventually get an answer about the extra payment the Trustee sent to the bank for payment on our vehicle. It was sent in error and the bank wound up sending the money back to the Trustee.