The Process of Filing
Your first consultation with us is always free, and well explain the process in greater detail during our first meeting, but here is a summary of what you can expect when filing for Bankruptcy
We fill out a Bankruptcy petition. We ask you about your employment, the value of your assets, the amount of debt and various other questions about your financial life.
After the petition is complete, you take an online Bankruptcy Counseling and Education course. The first of two classes usually takes a few hours to complete. Once that’s done, we file the petition with the Bankruptcy Court and wait for a court date, which usually takes place 20-40 days after the filing date.
We personally prepare you beforehand for many of the questions the Trustee will likely ask, and go over any issues with your case.
We then attend the court date, known as the “Meeting of the Creditors” with you and make sure all of the Trustees questions have been answered and provide any documents he/she may need. After the meeting is complete, if the Trustee is satisfied with the documents provided and the answers given, he/she will “close the meeting.”
You then take one more online course, known as the Debt Management Course. After that is completed, you wait for your Discharge.
After the discharge, we make sure to meet with you once last time to answer any questions you may have, and to provide you with some useful tips on how to restore your credit post Bankruptcy.
