Chapter 13 Bankruptcy

You will have a free initial consultation. You will be provided with some basic worksheets prior to your appointment that will provide an overview of your finances.

You can anticipate a certain procedure in a Chapter 13 case, which is set forth as follows:

1. You will pay the regular fees and costs that will be fully explained to you.

2. You and your attorney will meet to pull credit and review worksheets. The worksheets are much more detailed than the original worksheets, which you fill out prior to our first meeting.

3. One you fill out the worksheets, we use them to prepare your bankruptcy schedules, which are filed with the Court. The bankruptcy schedules are detailed listings of your assets, liabilities, budget and financial affairs. The schedules will be signed by you under the penalty of perjury. Therefore, we will want you to make sure that the schedules are as accurate as possible.

4. You and your attorney will meet to pull credit and review worksheets. The worksheets are much more detailed than the original worksheets, which you filled out prior to our first meeting.

5. Once you have filled out the worksheets, our office will use them to prepare your bankruptcy schedules, which are filed with the Court. The bankruptcy schedules are detailed listings of your assets, liabilities, budget and financial affairs. The schedules will be signed by you under the penalty of perjury. Therefore, we will want you to make sure that the schedules are as accurate as possible.

6. Shortly after the schedules have been filed with the Court, you will receive a letter from the Clerk of the Bankruptcy Court indicating the time and date of the Meeting of Creditors. It will be essential for you to attend the Meeting of Creditors. A few days before the Meeting of Creditors, you and your attorney will get together to prepare you for that meeting. We will discuss where to go, when to be there, what to wear, what to bring and what will be asked of you. You need to bring the your driver’s license and social security card to the Meeting of Creditors.

7. As soon as you receive the notice of the date and time of the Meeting of Creditors, please set up a time for us to have the above-referenced conference.

8. You will be filing a Plan on how to deal with your creditors along with or shortly after the filing of the schedules.

9. Plan payments are due to the Trustee thirty days after the filing of the Plan.

10. The Trustee normally contacts you with more information regarding monthly Plan payments. If the Trustee does not contact you within twenty days after the filing of the Plan, you need to contact us immediately.

11. After the bankruptcy has been filed, if creditors contact you by telephone, you should advise them of your bankruptcy case number and filing date, your attorney’s name and telephone number. If they persist in talking to you, please let your attorney know immediately. If creditors write you a letter after the bankruptcy case has been filed, you should write on the document that they sent the bankruptcy filing date, the bankruptcy case number, your attorney’s name and telephone number. Please send this document back to the creditor, retaining a copy for your records. If the creditor contacts you again, please repeat the process. If the creditor contacts you a third time, please let your attorney know. If you hear from a creditor that we did not include in the bankruptcy, please let your attorney know immediately. If you receive a lawsuit of any type, please let your attorney know immediately.