1. After you have had your initial consultation and have decided to file for bankruptcy protection, pay the initial $600 attorney fee via the payment link on our website. We will email you a link to our online questionnaire. This will provide the information to prepare your bankruptcy petition.
2. Depending on your situation, there are some documents, such as pay stubs, bank statements and tax returns that you will need to provide us by either scanning and emailing or sending by mail. We will let you know what we need.
3. After you have have authorized us to do so, we will obtain a copy of your credit report.
4. Upon receipt of your completed questionnaire and all required documents, we will email you a draft of your petition, usually within 48 hours.
5. We will schedule a time to review your petition with you. Our review will take place over the telephone, by Skype or FaceTime. After we have reviewed your petition, we will make any necessary changes.
6. Before your petition is actually filed with the Federal Bankruptcy Court, we will provide you with the information necessary to complete the short on-line or telephone credit counseling session as required by law. Once your session is completed, and you have paid the balance of the attorney fee and the court filing fee, we can file your petition.
7. You will receive a notice of a meeting with a Bankruptcy Trustee (an attorney who is appointed to meet with us and review the petition).
8. We will email information about the Debtor Education Course (usually fulfilled by watching an online video) which must be completed before your bankruptcy case is over.
9. 60 days after the meeting with the Trustee, in nearly all Chapter 7 cases, you will be discharged, and your unsecured debt will be eliminated. Your credit score will automatically reset, and you will be well on your way to rebuilding your credit and creating a brighter financial future.
10. For Chapter 13 cases, which are payment plans, the case usually lasts for a period of 3 to 5 years. Chapter 13 cases are most often filed to save a house that has gone into foreclosure or for individuals who do not meet the the guidelines for a Chapter 7.
SO, TO SUMMARIZE:
YOU PROVIDE NECESSARY INFORMATION
WE PREPARE AND FILE YOUR PETITION
WE MEET WITH THE BANKRUPTCY TRUSTEE
SIXTY DAYS LATER (CHAPTER 7) YOUR DEBTS ARE DISCHARGED