Filing for bankruptcy doesn't have to be complicated. Our streamlined process helps you navigate each step with expert guidance and support.
We begin with a no-obligation consultation to understand your financial situation and determine if bankruptcy is the right option for you. We'll explain the different types of bankruptcy and recommend the best path forward.
Before filing for bankruptcy, you're required to complete a credit counseling course from an approved agency. We'll help you find a convenient and affordable option to fulfill this requirement.
We'll provide a detailed checklist of all necessary documents, including tax returns, pay stubs, bank statements, and a list of creditors. Our team will help you organize these documents efficiently.
Our experienced paralegals will prepare all required bankruptcy forms with meticulous attention to detail. We'll ensure that all information is accurate and properly documented to avoid delays in your case.
We'll help you file your bankruptcy petition with the appropriate court and pay the filing fee. Once filed, the automatic stay goes into effect, stopping creditor harassment and collection actions immediately.
We'll prepare you for the 341 Meeting of Creditors and can accompany you to this brief hearing. Most meetings last only a few minutes and are a standard part of the bankruptcy process.
After filing, you'll need to complete a financial management course. We'll recommend approved providers and help you navigate this requirement to ensure your bankruptcy proceeds smoothly.
For Chapter 7, discharge typically occurs about 3-4 months after filing. For Chapter 13, discharge happens after completing your repayment plan. We'll guide you through the entire process until you receive your fresh financial start.
Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge. Chapter 13 involves a repayment plan that lasts 3-5 years, with discharge occurring after successful completion of the plan.
No. Many assets are protected through exemptions. In Chapter 7, non-exempt assets may be liquidated, but essential items like your home, car, and personal belongings are often protected. In Chapter 13, you typically keep all your property while repaying debts through a structured plan.
The court filing fee is $338 for Chapter 7 and $313 for Chapter 13. Our paralegal services are affordably priced to help, not hinder, your financial recovery. We offer payment plans and will discuss all costs during your free consultation.
Bankruptcy will initially lower your credit score and remain on your credit report for 7-10 years. However, many clients begin rebuilding their credit immediately after discharge. We provide guidance on responsible credit rebuilding strategies.
Take the first step toward financial freedom with our experienced paralegals. Schedule your free consultation today and learn how we can help you navigate the bankruptcy process with confidence.
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