Bankruptcy Timeline

Chapter 7 Timeline

  • Within 180 days prior to filing bankruptcy: Complete a credit counseling course and receive a certificate of completion.
  • 0 days: File bankruptcy Chapter 7: A typical bankruptcy petition consists of 60-75 pages of information including the Petition, Schedules and Statement of Affairs.
  • 14 days after you file bankruptcy: All deficiencies in bankruptcy documentation must be filed with the Court, including schedules of assets and liabilities.
  • 4-6 weeks after you file bankruptcy: You must attend a mandatory meeting with the bankruptcy trustee to confirm the good faith of your filing. Creditors who wish to object to your bankruptcy filing may appear at this meeting, but this is very rare.
  • 45 days after your meeting: If you filed a Chapter 7, you must complete a financial management course and the certificate must be filed with the Court for you to receive your discharge.
  • 60-90 days after meeting: If you filed a Chapter 7, your debts will usually be discharged if no objections are made.

Chapter 13 Timeline

  • Within 180 days prior to filing bankruptcy: Complete a credit counseling course and receive a certificate of completion.
  • 0 days: File bankruptcy Chapter 13. A typical Chapter 13 Reorganization bankruptcy petition consists of 60-75 pages of information including the Petition, Schedules, Statement of Affairs and Plan of Reorganization.
  • 14 days after you file bankruptcy: All deficiencies in bankruptcy documentation must be filed with the Court, including schedules of assets and liabilities.
  • 21-60 days after you file bankruptcy: You must attend a mandatory meeting with the bankruptcy trustee to confirm the good faith of your filing and review the feasibility of the proposed plan. Creditors may appear at this meeting.
  • 30 days after case is filed: Commence Plan Payments to the Chapter 13 Trustee.
  • 21 days after 341 hearing: Deadline for creditors or interested parties to file objections to Plan.

Bankruptcy

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Creditors use their attorneys to fight against you to try and garnish wages, sue you, put a lien on your real estate, or levy your bank accounts. Our experienced team is equipped to protect you from collections and get you a fresh start.

Divorce

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Sadly, a divorce can be one of the most emotional experience in one's life. We offer experienced guidance and aggressive representation to navigate you through this complex so you know what to expect and that your rights are protected.

Estate Planning

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Protecting your lifetime of hard work to take care of your family requires proper planning. Our team asks questions and listens carefully to your concerns, so you can be assured that your goals are met and your family is secure.