Overview of Typical Case
- The case begins with the client calling the Firm for the first time. Initial questions are answered by the staff members. Initial questions usually include pricing and payment plans.
- A client will either come to the office in Peoria for a consultation or our office will mail information to the client. If you would like to get started without waiting please fill out the Questionnaire and email it to the offices. Someone will contact you by email or phone within 24 hours.
- If the client chooses to retain our office, the initial down payment must be received in the office. Our office will prepare the extensive documents that are required to be filed with the court. Our office will start gathering the documents required by the court.
- The client will complete the first course required by the court (Credit Counseling) and will also contact the office to ensure that we received the certificate.
- The Office files cases twice a week. Your case will be filed once you have paid all of the required fees, provided all of the required documents, returned your signed paperwork, and completed the credit counseling. All cases are filed electronically from our office, sometimes we file cases as late as 9:00 PM .
- After the case is filed, the attorney will send you a letter requesting any further documents needed. This letter will also provide information concerning the second class (Debtor Education) and the court date and time.
- The client completes the second course before the court hearing.
- The client and attorney attend the court date. It is rare for creditors to attend this meeting but they are invited to attend. At the court date the trustee will ask you questions concerning the information provided to ensure that you have told the truth and included all your assets. He or she is also required to verify your identity. Please remember to bring you social security card and picture identification to this court date. The hearing usually lasts less than ½ hour.
- After this hearing you may receive a call or letter from our office concerning a reaffirmation agreement. This document is explained in another section.
- Some cases may be chosen for audit. Due to this our office may require that you send more documents. Please comply as quickly as possible.
- After your hearing you should receive a single sheet of paper in the mail. This is your discharge notice. The discharge is the court order that your bankruptcy was allowed. Please remember that some debts cannot be discharged such as: student loans, some taxes, child support and criminal fines and costs.
Link Video Guide: Bankruptcy Basics: http://www.uscourts.gov/bankruptcycourts.html