Five Simple Steps To Your Fresh Financial Start
If you qualify for Chapter 7, you can eliminate your unsecured debt in as little as four months.
MAKE THE DECISION TO CHANGE YOUR LIFE
Nothing will change unless you take action. Doing nothing won't make your bills disappear, but filing bankruptcy can. Make the decision that you are done with high interest rates, late fees, collection calls, law suits, and wage garnishments once and for all.
SCHEDULE YOUR NO-RISK CONSULTATION
Give me a call or use the "Contact" button at the bottom of the page to set up a time for us to talk. We can meet at my office or online using Skype of Facetime. You'll meet with me personally, not a paralegal or "consultant" (that's usually code for sales person). I want to get to know your unique circumstances before I give you my recommendation as to how to fix them.
PREPARE AND FILE YOUR CASE
If a Chapter 7 bankruptcy is appropriate for your situation, and I accept your case, I will let you know exactly what documentation I need from you in order to prepare your petition and schedules. When the papers are in order, we'll meet to review for accuracy and for your signature, then I'll file your case with the court. Once filed, you'll get a case number and the automatic stay will go into effect, which means you'll have legal protection from all of your creditors.
MEET WITH YOUR TRUSTEE
In approximately 30 to 45 days, you will have a §341 meeting with the trustee assigned to your case. I will prepare you for what to expect and represent you personally at the meeting. The meetings are typically brief and the trustee will ask you some questions about your petition and schedules, as well as your financial situation in general, which you will answer under oath.
RECEIVE YOUR DISCHARGE ORDER FROM THE COURT
After your §341 meeting, creditors and the trustee have 60 days in which to object to your discharge. Objections are the exception, not the norm. Most clients receive the discharge order shortly after the 60 day period is up. Once you receive yours, your legal obligation to repay your debts will be eliminated and you can enjoy your fresh start.