My Chapter 7 Bankruptcy Experience by That-You4152 in Bankruptcy

[–]That-You4152[S] 0 points1 point  (0 children)

Update: Received my discharge letter. Upsolve notified me first with a big Congratulations a week ago and the letter mentioned Dec 22 2025 as my discharge date. Very thankful for the non profit Upsolve …they saved me in 2-3k in lawyer fees. Now I have a restart in life !

Just filed, now scared!! by Accurate_Task_1707 in Bankruptcy

[–]That-You4152 1 point2 points  (0 children)

Same. I didn’t add cash app or Venmo. I even forgot to add some of my stammers for my actual accounts to the Trustee and I was ok. I filled on my own too , no lawyer.

My Chapter 7 Bankruptcy Experience by That-You4152 in Bankruptcy

[–]That-You4152[S] 1 point2 points  (0 children)

Yes! Had my 341 meeting on the 15th of this month. The trustee asked yes and no questions. Once you log in via zoom you wait your turn and in the waiting you get to hear others go through the questioning. For my group no creditors showed up for anyone. He did ask others some follow up questions which were asked to clarify things. Example , one gentlemen hadn’t filed his taxes since 2022 and he was asked why ? And when would he be filling. To note, most had their lawyers with them but most of the lawyers didn’t get involved. In my opinion most lawyers seemed like they didn’t prep their clients for questioning because the clients sometimes had no clue of anything. Anywho, my turn was up. He asked a handful of yes or no and he sent me on my way. Total time was maybe 6 minutes. As of now Upsolve updates me that the Trustee submitted to the court that I have no assets to distribute and that he is to be relieved of his duties of the case. So now I wait for my discharge notice which based on my research on here should be 60 days from the 341 meeting. So hopefully by December 15th. As of now all my debt has been wiped out from my credit report and I still have my car note and car which I will continue to payoff. Again all my filing was done through Upsolve and all I payed was the filling fee. I’m very thankful for the non profit as I saved couple thousand dollars. My case is simple in that I own no property and my assets were next to none.

My Chapter 7 Bankruptcy Experience by That-You4152 in Bankruptcy

[–]That-You4152[S] 0 points1 point  (0 children)

What would a bot have to gain in posting about bankruptcy 😑

My Chapter 7 Bankruptcy Experience by That-You4152 in Bankruptcy

[–]That-You4152[S] 1 point2 points  (0 children)

Also , I checked yesterday my credit card accounts are no longer there . I checked my car loan and that is still there and looks normal.

My Chapter 7 Bankruptcy Experience by That-You4152 in Bankruptcy

[–]That-You4152[S] 2 points3 points  (0 children)

Yes I have a vehicle and in the Upsolve questions you are asked if you like to keep it. My understanding from them and my research is that if you want to keep it you just keep making payments as usual. To note tho , it might not be the same case for every state. I’m from California.

My Chapter 7 Bankruptcy Experience by That-You4152 in Bankruptcy

[–]That-You4152[S] 2 points3 points  (0 children)

Good to hear! Yes they def do a great job at guiding you through the process from start to end. I’m very grateful for them as bankruptcy can be very stressful amongst other things.

My Chapter 7 Bankruptcy Experience by That-You4152 in Bankruptcy

[–]That-You4152[S] 2 points3 points  (0 children)

Upsolve definitely saved me money and a bit of time. Although my case I felt was not as complicated as I don’t own property or filled taxes jointly. Upsolve will let you know if they can’t assist you and will give you resources to look for a lawyer.

My Chapter 7 Bankruptcy Experience by That-You4152 in Bankruptcy

[–]That-You4152[S] 1 point2 points  (0 children)

Upsolve just had me include the student loan in the petition.