THE bankruptcy PROCESS

Filing for bankruptcy is a paper-intensive task that is confusing and difficult. We utilize technology to make the bankruptcy filing process easier for you and your family. 

1. Initial Consultation - Seamlessly schedule your free consultation appointment by phone, video chat, or in-person to determine your legal options for bankruptcy. Be sure to have a list of assets, types of debts, and income information for the last six months available. 
2. Bankruptcy Integrative Software - Once your initial consultation is complete, we send you a secure link to answer all questions and upload any documents necessary for the bankruptcy process that can be completed anywhere, any time on your schedule. Through this link, you can contact us with any questions. Once your information is updated, we will review it for accuracy and completeness. 
3. Pre-Bankruptcy Credit Counseling - Prior to filing your bankruptcy petition, the court requires that you complete a credit counseling course. We can provide you with a link to one of our providers with courses that are accessible 24/7 and can be completed online or by phone. 
4. Review and File - Once these steps are completed, we can review your bankruptcy petition and file your case. 
5. 341 Meeting of Creditors - Before you can receive your bankruptcy discharge of debts, you must attend a meeting of creditors with the trustee. Most of these meetings are being held by telephone at this time. 
6. Debtor Education Course - Upon completion of your 341 meeting of creditors, you must complete a debtor education course prior to receiving your discharge paperwork. Similar to the pre-bankruptcy credit counseling, we can provide you with a link to one of our providers. 
7. Liquidation or Repayment - Depending on your eligibility and the type of bankruptcy you choose to file, you must either liquidate any non-exempt assets or repay your debts according to your confirmed plan. It is important to note that each case is different. If you choose to reaffirm certain debts or you have special issues requiring an adversary proceeding, this may lead to more court hearings and steps not outlined here. 
8. Discharge of Debts - After you have completed the above steps, you will receive your bankruptcy discharge of debts. Chapter 7 cases typically take 3 to 6 months to complete while Chapter 13 cases can take approximately 6-8 weeks after your make plan payments for 3 to 5 years.