What Is The Process For Filing Bankruptcy?
It’s a lot easier than you think to file bankruptcy in Ogden.
Here are the nuts and bolts of the process (at least this is how it happens in my office):
- First, you and I talk on the phone so that I can get a sense of your situation, determine which type of bankruptcy, chapter 7 or chapter 13, would be best for you, answer all of your questions, and explain how much money you need up front to meet with me and get your case filed.
- Next, you get the necessary amount of money together to get your case filed and call me back to schedule an appointment. At the time we set up your appointment, I send you an email with directions to my office and a list of paperwork I need you to bring with you.
- We meet in my office for around 90 minutes to go over the paperwork in detail and ensure that you are a good candidate for bankruptcy, and to make sure that you are going to get out of it what you want or need.
- If we agree that bankruptcy is right for you, you pay the fee and I give all of your paperwork to my paralegal to file your case.
- About 30 days after that, we go to a meeting where you answer a few very simple questions about your case. The person asking these questions and looking over the bankruptcy paperwork I filed is called a trustee. Usually these meetings last only a few minutes.
What happens after the meeting depends on the type of case you are filing. If you are a chapter 7, there isn’t much else for you to do but wait for the official discharge of your debts 60 days later. If you are in a chapter 13 you just need to start making your monthly bankruptcy payments for the next 3 to 5 years, at the conclusion of which any remaining unsecured debts will be officially discharged.
Utah Bankruptcy Clinic
1140 36th St., Suite 205
Ogden, UT 84403