We have been practicing bankruptcy law for over 35 years. We are committed to helping our clients get out of debt and move on with their lives. As attorneys we have certain duties owed to our clients and the court. In bankruptcy, our clients also have things that they must do in order to receive all the benefits and have a successful bankruptcy.
How To Be the Ideal Bankruptcy Client
First and foremost, the ideal client listen to us and does the things we ask them to do. While we work hard to ensure the bankruptcy process goes as smoothly as possible, we cannot do it all. When you file for bankruptcy there are a few things that you must do. Second, our ideal clients do these things in a timely manner.
The following are some of the things you must do when you file for bankruptcy protection:
- Complete a credit counseling course. This course must be completed within 180 days of filing for bankruptcy. It can be completed online or over the phone , is not too time consuming, and is relatively straight forward.
- Complete a debtor education course. This course does not have to be completed until after your case is filed. This course can also be completed online. It is a two-hour long course in personal financial management.
- Attend the Meeting of Creditors. The meeting does not take place in a court room, there is not a judge present, and while your creditors will be notified of the hearing and have the right to attend, they rarely do. The Meeting of Creditors, also known as the 341 Hearing, will take place about a month after your bankruptcy case is filed.
- Cooperate with the Bankruptcy Trustee assigned to your case. The Trustee is tasked with administering your case and will oversee the Meeting of Creditors. At the meeting you will be questioned under oath, and you must answer those questions honestly and accurately. Also, you must provide any additional information or documentation requested by the Trustee. If you file for Chapter 13 bankruptcy, it is critical that you make your monthly plan payment to the Trustee on time.
- Be honest. First, lying to the Court is a crime. Trying to hide assets in a bankruptcy case is a crime. Second, do not attempt to hide property, assets, debts, or transactions from your bankruptcy attorney. Truly, the bankruptcy problem we cannot help you solve is the one you hide from us.
- Provide us all of the documents we need to prepare your bankruptcy petition.
To be the ideal bankruptcy client and to have a successful bankruptcy filing, you must do the things listed above. While the process may seem daunting at first, an experienced bankruptcy attorney can help you through the process from start to finish.
The Ways Bankruptcy Can Help You
To understand how bankruptcy can help you specifically, we invite you to meet with us for a free, no-obligation consultation. We practice exclusively in bankruptcy law and have been for over 35 years. We serve the people of Savannah, GA and the surrounding areas.
Call us today at (912) 351-9000 or contact us to schedule a free consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.