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get out of debt!      
Attention  .  .  .  on December 1, 2015  new bankruptcy forms go into effect.  The changes are extensive but no worries - our bankruptcy software automatically updates all changes in bankruptcy law including the forms.

Chapter 7 Timeline.

Repayment of debt is not an option. You are not alone. 

Filing chapter 7 bankruptcy can be one of the hardest decisions anyone can make but once the decision has been made the actual process of becoming debt free is pretty much straight forward and by the numbers.

Gather all the documents & info we need.

Pull & print you free credit reports (we can do this for you).

Complete your online pre-filing counseling.

Then you meet with us.  Plan on spending more than 1 hr and less than two.  The more organized you are the less time it will take.  We will review the following:  credit reports, billing statements, and paystubs.  We will fill out a questionnaire if haven't done so already.

The NADA Retail Value of your vehicle will be looked up. We will know immediately if you need to get a certified appraisal. You will need to decide what to do with your vehicle if it's financed - keep it or surrender it. 

You will be given a list of the documents the trustee needs.
We will begin preparing your bankruptcy documents.
When your bankruptcy documents are completed in a few days we will review them with you and you will sign them.  Then we'll make a copy for your records.

File your bankruptcy documents in the bankruptcy court and then complete your post-filing debtor education class.  The certificate will have to be filed with the court (give it to the clerk that took your original bankruptcy papers).

You will receive a Meeting of Creditors notice from the court within about 10 days.  It will contain your trustee's name, address, meeting date & time.  Mail the trustee docs you gathered up to your trustee via regular mail.

In a few weeks you will attend your 341 meeting (meeting of creditors).  Dress respectfully - plain, simple, no jewelry, no perfume.
Bring your ID, social security card, and a copy of the trustee docs you mailed to the trustee just in case they got lost in the mail.  Your meeting should only last a few minutes. Your trustee may ask you a few questions but this is absolutely normal. 

The day after your trustee meeting you begin the 60 day waiting period for you to become eligible for discharge of debt. 

After your discharge of debt arrives in the mail it will be time to clean up your credit reports from all 3 reporting agencies.  Contact each credit bureau individually and have them zero out all accounts (both creditors & collection accounts) that you put into bankruptcy except those debts your reaffirmed such as a vehicle or home.

Start keeping an eye on your credit report because sometimes collection accounts "magically" appear on your credit report despite the fact the original debts were discharged in bankruptcy.  Should this occur please call the Federal Trade Commission and they'll be happy to help you.

Reestablish your credit with a secured credit card from a credit union.
Never use more than 25% of available credit and always carry over a balance to establish a good pay record




Important Info & Links  
List of documents we need  
Our questionnaire (pdf)  
Free Credit Report  (FTC site)  
Pre-filing Credit Counseling  
Filing Fee Waiver  
Chapter 7 Bankruptcy  
What is Chapter 7  
Chapter 7 Timeline  
Top 10 Mistakes  
What is the Means Test  
Chapter 7 vs. Chapter 13  
What is Chapter 13  
How the court values vehicles  
Silly Bankruptcy Notions  
Credit After Bankruptcy  
FL Bankruptcy Courts  
Northern District  
Middle District  
Southern District  
Trustee  Required Doc List  
Should I File Bankruptcy  
Will I Lose My Stuff  
Taxes and Student Loans  

Can One Spouse File

Bankruptcy and Divorce  
Know Your Rights  
Fair Credit Reporting Act  
Fair Debt Collection Act  
New Credit Card Rules  
Fair & Accurate Credit Act  
Debt Collection  
Worst Debt Collectors  
Worst Debt Buyers  
Free Legal Resources  
Bankruptcy Basics  (pdf)  
Local Court Rules  (pdf)  
US Bankruptcy Code  (pdf)  
More Free Legal Resources  
Bankruptcy Glossary  

Our Location

2808 Beach Blvd So. #9  
Gulfport, FL  33707  
(727)  322-5881  

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