We are a debt relief agency.  We help people file for bankruptcy relief under the United States Bankruptcy Code.

 

The Step-By-Step Process of Filing a Chapter 7 Bankruptcy:

(See below for the process of filing a Chapter 13 bankruptcy.)

 

Step I  - Consult Us

  1. Schedule your FREE 30-minute appointment.
  2. Attend your FREE Consultation to gain valuable information and have each of your questions answered.
  3. If we can help you, hire us.  Sign the Retention Agreement and pay the quoted Retainer and other costs.

 

Step II  – Provide all required information

 

  1. Deliver to us all required documents.  We provide an easy-to-follow checklist to all our clients.  Or provide us your information in a secure on-line framework through MyCaseInfo.
  2. Take the mandatory Credit Counseling Course (approximate cost is $15.00 per person).  This class can be taken on-line.  
  3. In order to prepare your Petition accurately, we obtain a current Credit Report. (Credit Report expense is $23.00 per person filing.) While you may provide us with a copy of a free credit report, we cannot guaranty its accuracy.
  4. Within 10 business days from receipt of all of the required documents, we will organize, evaluate and prepare your Bankruptcy Petition.
  5. After you carefully review your petition for accuracy, you sign your Petition authorizing us to file it with the Court.

 

Step III  –  We file your case

 

  1. We file your case with the Bankruptcy Court. (The current filing fee is $335.00, subject to change.)
  2. We manage all facets of your case from that point forward.
  3. We communicate with your creditors as appropriate.
  4. We stop harassing communications from your creditors.
  5. We stop debt collection activities such as wage garnishments, sheriff’s sales, judgment liens, bank account freezes, and repos.

 

Step IV – Attend your Meeting of Creditors

 

  1. Approximately 4-6 weeks after filing, you will attend the “341 Meeting of  Creditors.” 
  2. Your bankruptcy attorney will attend the Meeting of Creditors with you.
  3. Within 45 days of your meeting, you will take the Financial Management Course.  This course may be taken on-line.  
  4. Approximately 90 days after the Meeting, the court discharges your responsibility to pay (most) debts. 
  5. Your case is closed.

 

THE FOREGOING REPRESENTS THE MINIMUM REQUIRED OF ANY CHAPTER 7 BANKRUPTCY FILER; YOUR CASE MAY DIFFER IN SOME RESPECTS.

 


 

The Step-By-Step Process of Filing a Chapter 13 Bankruptcy:

(Click here for the process of filing a Chapter 7 bankruptcy.)

 Step I – Consult us

 

  1. Schedule your FREE 30-Minute Initial Consultation.
  2. Attend your FREE consultation to obtain valuable information and have each of your questions answered.
  3. If we can help you, hire us.  Sign the Retention Agreement and pay the quoted Retainer and other costs.

 

Step II – Provide all required information 

 

  1. Deliver to us all required documents.  We provide an easy-to-follow checklist to all our clients. Or provide us your information in a secure on-line framework through MyCaseInfo.
  2. Take the mandatory Credit Counseling Course (approximate cost is $15.00 per person).  This class can be taken on-line.  
  3. In order to prepare your Petition accurately, we obtain a current Credit Report. (Credit Report expense is $23.00 per person filing.) While you may provide us with a copy of a free credit report, we cannot guaranty its accuracy.
  4. Within 10 days from receipt of all of the required documents, we organize, evaluate, and prepare your Bankruptcy Petition and  Chapter 13 Plan.
  5. After you carefully review your Petition and Plan for accuracy, you sign your Petition and Plan authorizing us to file them with the Court.

 

Step III – We file your case 

 

  1. We file your case with the Bankruptcy Court. (The current filing fee is $310.00, subject to change.)
  2. We manage all facets of your case from that point forward.
  3. We communicate with your creditors as appropriate.
  4. We stop harassing communications from your creditors.
  5. We stop debt collection activities such as wage garnishments, sheriff’s sales, judgment liens, bank account freezes, and repos.
  6. We implement a wage attachment, if you choose, in order to ensure prompt payment of your plan obligations.

 

Step IV – Attend your Meeting of Creditors

 

  1. Approximately 4-6 weeks after filing, you will attend the “341 Meeting of Creditors.”  
  2. Your bankruptcy attorney will attend the Meeting of Creditors with you.

 

Step V – The Plan

 

  1. Each month, you will be required to pay into your bankruptcy fund a set amount of money determined in advance.  We can have this payment deducted from you wages, if you wish.
  2. Your plan will require a minimum of 36 months of payments but no more than 60 months, depending upon the terms of your plan.
  3. Changes in your financial circumstances can be reflected in modifications to your plan from time to time.

 

Step VI – Closing the case

 

  1. Upon payment of your final plan obligation, you will take a Financial Management Course. This course can be taken on-line.
  2. The court will discharge you of responsibility to pay (most) debts and your case will be closed.

 

THE FOREGOING REPRESENTS THE MINIMUM REQUIRED OF ANY CHAPTER 13 BANKRUPTCY FILER; YOUR CASE MAY DIFFER IN SOME RESPECTS.

 

 

Legal Counsel to Great People™