Bankruptcy is a complex area of law, but the process to file for bankruptcy doesn’t have to be. When you hire our firm to represent you, we will strive to make the process as smooth as possible.
What is the Process to File for Bankruptcy?
While every bankruptcy case is unique and fact-specific, every case has certain requirements and will generally follow a certain process.
Meet with us for a free consultation.
Prior to our meeting, please gather 60 days of pay stubs and bank statements, copies of your bills, and a copy of last year’s tax return. Together we will take a look at your specific situation. When you leave our office you will be empowered with the information you need to decide if bankruptcy is the right choice for you.
Gather the necessary documents.
Once you decide to file, it is important to gather all the necessary documents so that we can prepare your bankruptcy petition and after filing, we can provide necessary documents to the Bankruptcy Trustee assigned to administer your case.
Take the Credit Counseling course.
Credit Counseling must be completed within 180-days prior to filing for bankruptcy. We will file your certificate of completion with the Bankruptcy Court on your behalf.
File for bankruptcy.
Once we complete your bankruptcy petition we will review it together for accuracy and completeness. You will then sign it and we will file it with the Bankruptcy Court.
Attend the Meeting of Creditors.
Every person who files for bankruptcy must attend a Meeting of Creditors. We will prepare you for the meeting and will be by your side during it. Rest assured that creditors rarely attend these meetings. In the unlikely event, one does attend, the creditor cannot badger you and may only ask you questions about the information in your bankruptcy petition and the nature and location of your assets.
Take the Debtor Education course.
Debtor Education must be completed after filing for bankruptcy but must be completed prior to receiving your bankruptcy discharge order. It is a mandatory two-hour course in personal financial management. We will file your certificate of completion with the Bankruptcy Court on your behalf.
Typically in Chapter 7 cases, there is little the debtor must do after the Meeting of Creditors concludes and Debtor Education is completed. Chapter 13 cases are more complicated and involve a three to five year repayment plan.
Regardless of whether you file for Chapter 7 or Chapter 13 bankruptcy, it is our job to help you through the process so that you can get out from under the weight of debt and enjoy a fresh financial start.
Filing for Bankruptcy Protection
At the Law Office of Barbara B. Braziel, we are committed to helping people get out of debt and gain the financial freedom they deserve. We invite you to learn more about who we are here. If you live in Savannah, GA or the surrounding areas and have questions about your debt relief options, let’s meet for a free consultation.
Find out more about Bankruptcy in our guide: All About Bankruptcy
We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.