How To File For Bankruptcy With The Help Of A Rochester Bankruptcy Lawyer

Bankruptcy is very complicated. Because of this, you should contact an attorney if you have any questions. To help you, we have provided an easy overview on the bankruptcy process.

Filing For Bankruptcy

Understand Court Rules. Bankruptcy rules are extremely complicated, and are difficult to learn. A bankruptcy lawyer will know the local court rules based on where a case is filed.

Get Legal Help. Making a mistake when filing for bankruptcy can hurt you, so make sure to call a bankruptcy lawyer before you file.

Complete Pre-bankruptcy Credit Counseling. You have to complete pre-bankruptcy credit counseling before you can file.

Meet With Your Assigned Trustee and Creditors.

• If you are filing for Chapter 7 bankruptcy, the court will assign you a trustee who will help you meet with your creditors.
• If you are filing for Chapter 13 bankruptcy, you must prepare and file a repayment plan with the help of an attorney. Next, you will attend a meeting with your creditors where agreements will be reached about your debts. It’s important that you listen to the advice of your attorney along each step.

Attend A Debtor Education Course. You must attend a debtor education course:

• Within two months of completing your meeting with your creditors for Chapter 7;
• Prior to making your last payment on a repayment plan; or
• Prior to filing a motion to discharge your debt in Chapter 13 bankruptcy.