THE CHAPTER 7 PROCESS

20 Dec

THE CHAPTER 7 PROCESS

STEP ONE – INITIAL CONSULTATION

WHERE – East Side Office – 22408 Lake Shore, Euclid, OH 44123 or West Side Office – 13326 Madison Avenue, Lakewood, OH 44107.

WHAT DO I BRING – 2 Paystubs, Tax Return, and a List of Debts, the bills, or your credit report.

WHAT ARE WE DOING AT THIS CONSULTATION – We are going over your financial position to determine if you qualify for a Chapter 7 or Chapter 13 bankruptcy. Furthermore we are looking for any issues that might arise in your case, and given them, whether you should file the bankruptcy.

Fee – No, this is a free consultation and you are not obligated to go any further.

How Long45 mins to 1 Hour

STEP TWO – CONSUMER COUNSELING COURSE

WHERE – Online Course

Recommended Course – DebtorCC – www.debtorcc.org – cost $14.95

List of Other Approve Companies – United States Trustee ListNote – We are in the Northern District of Ohio

WHY DO I HAVE TO DO THIS – Under the Section 109(h)(1) of the Bankruptcy Code a debtor must take this course to qualify to file for bankruptcy. If the case is filed without the certificate, it will be dismissed.

STEP THREE – SIGNING CONSULTATION

WHERE – East Side Office – 22408 Lake Shore, Euclid, OH 44123 or West Side Office – 13326 Madison Avenue, Lakewood, OH 44107.

WHAT DO I BRING – I typically give you a customized list. However every case requires the most recent tax return, 2 months of pay stubs, the debts you want to include on the bankruptcy, and a copy of your car title.

WHAT ARE WE DOING – We are reviewing our notes from the Initial Consultation (Step One) and we are preparing a document called a bankruptcy petition. We will list all your assets and debts into the petition and its total length is about 60-70 pages in most cases. I will also be copying documents that you bring with you. Finally at the end, we will sign the document, and if everything is in order, file the case. (Step Four).

HOW LONG DOES THIS MEETING TAKE? – 2 – 3 Hours.

FEES – Typically I would ask for the first half of the attorney fee. Also the court cost may be due at this time if there is an ability to pay it. If not, then we would enter in with a court installment plan.

STEP FOUR – CASE FILED

WHEN – Usually at the signing consultation, however if there is a need for delay (not all requirements met) we file when those requirements are met.

WHAT HAPPENS WHEN I FILE – An automatic stay is impose that prevents most collection actions (garnishments, utility shutoff’s, repossessions).

STEP FIVE – 341 HEARING

WHERE – United States Trustee Hearing Room (In Cleveland) – 201 Superior Avenue, Cleveland, OH 44114. It is on the sixth floor.

WHAT TO BRING – Last Bank Statements, your ID, and your Social Security Card.

WHEN – Approximately 30-45 days after the filing of your case.

DOES THE ATTORNEY ATTEND – Yes I do.

WHAT IS THIS FOR – Under Section 341 of the Bankruptcy Code (hence the name), a court official known as a trustee has to conduct a meeting to determine, among other things, whether you have any property that should be turned over to the bankruptcy court so that it is sold with the proceeds going to the creditors. The purpose of steps one and three was to ensure that you were fully informed of any possibilities of this happening. In most cases it does not, because bankruptcy exemptions protect your property.

STEP SIX – FINANCIAL MANAGEMENT COURSE

WHERE – Online Course

Recommended Course – DebtorCC – www.debtorcc.org – cost $9.95

List of Other Approve Companies – United States Trustee ListNote – We are in the Northern District of Ohio

WHY DO I HAVE TO DO THISUnder of the Bankruptcy Code section 727(a)(11) a debtor must complete the financial management course in order to receive a discharge. Failure to do this will result in the case being closed without discharge which requires a motion to reopen (court cost $260.00)

STEP SEVEN – DISCHARGE

WHEN – Discharges are usually issued the Wednesday after the sixtieth day from the 341 hearing (Step Five). Wednesday is when they typically do it in Cleveland (it varies in other jurisdictions). This court costs must be paid prior to the court issuing a discharge. Furthermore if there is litigation in the case, this can result in a delay in the discharge. An adjourned 341 hearing typically do not interfere with the discharge date.

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