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How to File for Bankruptcy
Bankruptcy is not a solution for everyone dealing with financial struggles. It's important to look at all of your options before deciding to file.
If you've looked at every other possible solution and are seriously considering filing for bankruptcy, turn to The Law Office of Sherry L. Johnson. We'll help you determine if bankruptcy is your best choice and, if so, whether Chapter 7 or Chapter 13 is the way to go.
What You'll Need to File Bankruptcy
Before you file bankruptcy, you'll need to attend a credit counseling class. This course is also required after you've filed. Here are the specific documents you'll need to bring to us:
- Your pay stubs from the last 60 days
- Your most recent tax returns
- Your current bank statement
After You've Filed for Bankruptcy
Once you've filed, the harassing phone calls, collection notices, repossessions, and wage garnishments will all stop. In fact, the law states that creditors aren't allowed to contact you at all.
The next step is attending a mandatory creditor’s meeting which is also known as 341 meeting. Your lenders or their representatives will have the opportunity to question you about your debt. Don’t worry, Attorney Johnson will be at the meeting with you. You'll have the chance to ask questions during this meeting as well.
Sometime after that meeting concludes comes the final part of the process. If you've filed Chapter 7 bankruptcy, your debt will be completely discharged. If you've filed Chapter 13 bankruptcy, your submitted payment plan will be approved by a judge. Once the plan is finalized, all of your remaining debt is discharged.
To learn more or to schedule a free consultation, please contact
The Law Office of Sherry L. Johnson today.
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