If you’re struggling with debt, I know that life must be stressful. But, the good news is that getting rid of that debt through bankruptcy has never been easier.
In fact, a majority of my clients get of debt using less than 5 hours of their time; paying nothing back to their creditors; keeping everything they own; and never stepping foot into a courtroom or in front of a judge.
My goal is to make your experience just as easy.
The process of getting out of debt start with our initial consultation, which is completely free. At our meeting, which generally lasts 30 to 60 minutes we’ll pull your credit report, review your assets, your debts, your income, and your goals. We’ll then discuss your options.
If bankruptcy is the best option for you, I’ll send you home with a list of documents to gather, a questionnaire to fill out, and a credit counseling course to complete at home.
The list of documents is fairly basic and for the most part you’ll have them all at home. It includes things like paystubs, tax returns, bank statements, lawsuits and things of that nature. The questionnaire is also what you’d expect with questions like how much do you spend on necessities, what property you own and how much it is worth. Gathering the documents and answering the questionnaire should take you about 30 minutes.
You’ll then complete a credit counseling course either online or over the telephone. This is basically a 60-90 minute educational course, which is a requirement to file bankruptcy, and covers the topic of how to budget your finances. The good news is that there is no test that you have to pass at the end, for the most part you just sit there and listen. Also, you can complete the course in the comfort of your home 24/7.
After you complete the course we meet in my office where I’ll explain and review your petition. Following our meeting, I’ll then email you the petition so you can re-review it at home. Once you say everything is correct, your case will be filed.
About a month after your case is filed we meet with a court appointed attorney called a trustee. The meeting lasts generally about 2 to 3 minutes and consists of about a dozen yes and no questions. You will be familiar with the questions because I will review them with you before the meeting with the Trustee takes place. There are no trick questions or surprises and there is no one grilling you. It’s probably one of the most relaxed meetings you’re ever going to sit through.
After the meeting, you then complete the 2nd educational course either online or over the telephone. This course also takes about 60-90 minutes, can be done in the comfort of your home 24/7, and is a requirement to get a discharge. But this time the topic is how to manage debt if it ever happens again in the future.
If you are filing a chapter 7, that is generally all that you have to do. You then wait a few weeks for the Court grant you the discharge, which wipes out your debts, and you’re done. From beginning to end, most chapter 7s basically takes 4 months.
If you are filing a chapter 13, the process is generally the same. The main difference is that once your case is filed, you begin to make your monthly plan payments. Once those are payments are completed, you then get your discharge.
From my client’s perspective, bankruptcy really is that easy. I know you have a lot going on in your life, so my goal is to make this process as simple for you as possible. So if you hire me to file your bankruptcy case, for the most part you can sit back and relax.
At the end of the case, I guarantee you that you’ll be thinking that that was easier than you ever imagined and that you should have filed earlier.
So don’t suffer any long. Call me, attorney Robert J Skowronski, at (773) 283-1600 and set up your free consultation.