What Is The Bankruptcy Process

We understand this may be a confusing and stressful time. We have hope this clears up your questions and explains how the whole process works. If you have any other questions feel free to call us at any time!

First Step:Starting The Process – Call Us!

Just for picking up the phone – congratulations!! You are one step closer to being debt-free and starting fresh!

During our free consultation we will discuss your current and past income, debts, and assets. From the information provided we will make sure to protect what you want to retain such as your home and vehicles. We will then let you know the best solution for your situation – whether it be debt negotiation or bankruptcy. It is our belief that bankruptcy should be the last resort and we will make sure it is.

Second Step: Client Questionnaire And Credit Counseling Course

You can immediately start telling your creditors to call us at 888-523-9121 and to leave you alone! We will explain the Client Questionnaire and Credit Counseling Information.

Client Questionnaire: This Questionnaire looks overwhelming but it is very simple. We need you to give us information about your house, cars, retirement plan, etc. We strive to make things easier for our clients – you do not need to list any creditors since pulling your official credit report is included for every client! Also, you can attach a copy of your actual bill so we can make sure the information on the credit report is correct. Our goal is to make this process as easy and pain free as possible for you.

Credit Counseling Course: You must take two credit counseling courses. We will provide you with the information about the courses which you can take online or over the phone. Each course is $9.00 and takes about one hour. Married couples can take the course together.
- First course must be taken before we can file the bankruptcy so take it as soon as possible.
- Second course must be taken after we file the bankruptcy and we will provide you with your case number.

Third Step: Document Collection and Going Over The Client Questionnaire With Us

After you have finished give us a call to set up your appointment. We will also need the following documents in order to file your bankruptcy:

- Two months of prior paystubs or proof of income
- One month prior bank statement from all accounts
- Last filed tax returns.

Fourth Step: Going Over Your Bankruptcy

Once we are done preparing your bankruptcy we will contact you to go over it. Before we file you case, we like to make sure that everything is accurate and exactly how you want it. This is your chance to look through the bankruptcy and make sure we’ve added everyone you owe money to so we can get those debts erased. We will make sure everyone on your credit report is already added.

Fifth Step:After Filing Your Bankrutpcy – Court Hearing

Your court hearing will be approximately one month after we file your bankruptcy. You will get a notice from the Bankruptcy Court and also from our office letting you know of the date and time of the hearing. The hearing is very easy and nothing to be nervous about. The hearing is called 341(a) Meeting of Creditors and is in front of a trustee. 99% of the time the creditor does not show up. All debtors are asked the same questions such as:
Have you filed for bankruptcy before?
Did you list all of your assets and everyone you owe money to?
Do you owe any spousal or domestic support obligations?
Did you sell or transfer anything worth more than $2,000 like a house, car, or boat in the last two years?

Last Step: After The Court Hearing

After The Court Hearing
At the end of the hearing if the court does not need any further information or documents your hearing will be complete. You will not need to do anything else except wait for a letter in the mail saying you are discharged. “Discharged” means the debts we listed are now erased. You will receive a letter 60 to 90 days after the court hearing.

Our Office:

We have multiple convenient locations:

San Bernadino County

Phone and Fax:
888-LADY-121 or 888-523-9121
ContactUs@LawOfficesOfLadyJustice.com

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