INITIAL CONSULTATION
During the initial consultation on your particular situation will be reviewed and discussed, the bankruptcy process was explained, the options available in case of bankruptcy will be reviewed by our attorney fees and expenses will be discussed and questions will be answered.
INCOME / QUESTIONNAIRE
Potential customers who have Internet access will be sent instructions for completing an online questionnaire. Potential customers who do not have Internet access can do an interview by mail, by phone or in person.
DOCUMENTS
After the interview / questionnaire is done, the customer will receive a list of documents required of them.
CREDIT COUNSELING CERTIFICATE
Bankruptcy Court requires all bankruptcy filers get credit counseling certificate. Names and contact details for credit counseling providers are available on our website and will be provided to you during your initial consultation.
INSIDE THE BANKRUPTCY TEAM
After payment of legal fee and filing fee is charged with, then our team works hard to prepare its bankruptcy case to file. Comparative Market Analysis of your property is done by our estate agents, title searches are conducted by our in house attorney, Kelly Blue Book are obtained for fair market value of their vehicles and all information is data entered. A draft copy of its petition is printed and then reviewed by an attorney.
PROCESSING OF COURT PAPERS
Once you return your signed petition to the office, we will file your case electronically.
NOTICE OF MEETING OF CREDITORS (341 HEARING)
Within a couple of weeks after the presentation, you will receive, by mail, correspondence from the bankruptcy court. There will be a document that tells the trustee appointed by the court and the information on your court date, including date, time and place for you to appear with his attorney from our office.
MEETING OF CREDITORS (341 HEARING) for Chapter 7 and Chapter 13
This meeting will probably last 5 to 10 minutes and will be based on information provided in the documents originally filed with the court. Most Chapter 7 bankruptcy clients never see the inside of any room in the royal court. Under normal procedures in Chapter 7 bankruptcy cases, creditors meeting is the only court of the scheduled date of attendance.
Chapter 13 bankruptcy clients will also have to attend a meeting of creditors, similar to that meeting in Chapter 7.
Debt settlement
Generally, 60 days after a meeting of creditor discharge of your unsecured debt is issued by the Court in Chapter 7 cases. Shortly thereafter, you will receive an order signed by the bankruptcy judge that the discharge of their debts, which means that legally do not owe any money to the creditors listed in its bankruptcy case (some exceptions). His case will close and you're up and running with a fresh financial start.
