What to Expect when Filing Chapter 7 Bankruptcy
When you contact Apperson Law firm you will speak to an attorney - every time. During the initial phone call, be prepared to provide information about your current debts, assets, income and expenses. The attorney will need this basic information to determine if Chapter 7 bankruptcy is an option for you, and will help you decide if it is the proper option to persue.
If you request an in person consultation, one will be provided. Usually the initial phone call is enough to get started. You will receive a legal services agreement and bankruptcy questionnaire via email or US mail. You need to sign and return the documents to Apperson Law Firm so your bankruptcy paperwork can be prepared.
Once the first draft of these documents is ready for review, Apperson Law Firm will contact you to set up an appointment. During this appointment, we will review the documents very carefully to ensure they are 100% correct. You will be asked to sign the final draft of these documents. You must also take a credit counseling course before your case can be filed.
Your case is filed electronically and you will be given notice of your Meeting of Creditors (also known as a 341 meeting, or meeting with the Trustee). This is an opportunity for your creditors to ask you questions. In most Chapter 7 cases there are few non exempt assets, and creditors rarely appear. The Trustee will ask you a few questions, and the whole meeting takes a few minutes. You must take a debtor education course before you can receive your discharge (this is not the same course you took before).
After your meeting of creditors if any further information is required or once you receive your discharge Apperson Law Firm will contact you.
This is the course of a usual case. The unexpected is always a possibility, so your case may proceed differently.
If you request an in person consultation, one will be provided. Usually the initial phone call is enough to get started. You will receive a legal services agreement and bankruptcy questionnaire via email or US mail. You need to sign and return the documents to Apperson Law Firm so your bankruptcy paperwork can be prepared.
Once the first draft of these documents is ready for review, Apperson Law Firm will contact you to set up an appointment. During this appointment, we will review the documents very carefully to ensure they are 100% correct. You will be asked to sign the final draft of these documents. You must also take a credit counseling course before your case can be filed.
Your case is filed electronically and you will be given notice of your Meeting of Creditors (also known as a 341 meeting, or meeting with the Trustee). This is an opportunity for your creditors to ask you questions. In most Chapter 7 cases there are few non exempt assets, and creditors rarely appear. The Trustee will ask you a few questions, and the whole meeting takes a few minutes. You must take a debtor education course before you can receive your discharge (this is not the same course you took before).
After your meeting of creditors if any further information is required or once you receive your discharge Apperson Law Firm will contact you.
This is the course of a usual case. The unexpected is always a possibility, so your case may proceed differently.
