Our bankruptcy hearing was called the "Meeting with the Creditors"... the somewhat equivalent version of a trial for our bankruptcy case. Creditors are allowed to come to ask questions or ask for more details. There were lots of uncertanties and anxieties for us going into the meeting. When we got there, our attorney asked for social security cards. Uhhhh, what? We had no idea we needed them. We told our lawyer it wasn't in the letter we received with all the details concerning the hearing. She checked and it was certainly not there. She said the best she can do is ask the magistrate for a postponement. Obviously this was tough news for us... having to wait longer, and we had booked a hotel room the previous night to avoid the commute in the morning (and to save Bill's sanity).
Our lawyer went in and talked to the magistrate and came out and told us the really good news that he would accept a faxed copy from the attorney's office, so we just had to head over there when we got home. (Just a brief point of praise: I had just recently gotten my social security card replaced because I couldn't find it. I didn't need it for anything. Just felt that it was important to get it replaced in case I would need it for some reason. So grateful for the Lord's prompting!) So it was time for our hearing. We went into this room with about a dozen other folks, all whose cases were also scheduled for 9:30. We were probably around the 6th case to be heard on the 9:30 docket. It was really weird. The magistrate sat at the front of the room at a long table. Each person went up with their lawyer, and in front of everyone, had to answer the magistrate's questions publicly. We were a little wary of having to speak to the magistrate in front of others.
I guess if you've been doing this for a long time, you know where to look, but the magistrate seemed to know exactly what questions to ask, somewhat different for each case, to find discrepancies in what was in the paperwork and what was said. During the case before our's (or prior to that), there was a random attorney who leaned in to ask the magistrate if he had a few minutes to discuss a few things. He said "I have to leave in 5 or 6 minutes to get to court." Bill was seriously confused. He thought maybe the magistrate was just going to dismiss the rest of us until later or something, but he just plowed on. So it came to our turn. He asked us about our mortgage status and our intentions with the townhouse. We answered (after being sworn in) and then he just asked if all our assets/debts were reflected in our documentation and we said, "yes." Didn't ask anything about Brainbox, and then we were finished. He flipped over our file, wrote some stuff on the back of it, as he did with the others, and that was that. None of our creditors had showed up either.
Pretty painless. Bill asked the associate lawyer who was with us what the next steps would be and she said we should get our letter confirming the discharge (release of debt) in the next 30-60 days. That's it? That's it.
When Bill went in to fax over the social security cards, he ran into the attorney we had mostly been working with. The attorney said unless there are some major red flags, we should be done, as our associate attorney said earlier.
It was pretty amazing to see God show us such favor in various steps of this situation. The fact that he let us go in without our SS cards (which honestly the attorney seemed surprised about) and the fact that he was in a rush and didn't ask us hardly any questions... that just confirmed the Lord's hand in the situation, and now there's another big burden lifted. Now we have to find a place to live and we should be good! :)
We are marveling at God's mercy towards us, as truly we are debtors to mercy alone. We also were very struck by an impression that was shared with Bill by a friend in our leaders' group. He said the hearing is very similar to Judgment Day when we will see the Lord face to face. In the hearing we went to today, we were to report on our financial dealings, hoping to have our financial debt forgiven. But on Judgment Day, the Lord will look over all our dealings in life, from our thoughts to how we have treated people to how we have walked through all that He put before us. And this won't happen in private. It will be like the meeting of the creditors, before all mankind to see. But ALL of it will be FORGIVEN. Isn't that amazing? EVERY sin will be brought to light, and ALL of it will be FORGIVEN. It will all be wiped clean because the debt has already been paid. It is stunning to think that all is forgiven because of what Christ bore on the cross.
Thank you, Andrew, for the impression you shared. It ministered much to our souls. And thank you all so much for your help, support, counsel, prayers, and encouragement in this season. Obviously we're still not "out of the woods," but we're getting there! The next step is to look for a place to rent . =) Bill's mom came and babysat the boys for us last night and she took us out to celebrate and we ate some amazing sushi! Mmmm.... (Thanks, Mom!)