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Steps for Filing Chapter 7 Bankruptcy

At Sutton & Janelle, PLLC, our team of lawyers is committed to helping clients throughout Berkeley County with their bankruptcy cases. Below, we explain the steps you need to take if you want to file for Chapter 7 bankruptcy.

Consult with an Attorney

Before you file for bankruptcy, you should schedule a consultation with an experienced lawyer to discuss the details of your case. An attorney can review your financial situation and determine if you are eligible for a Chapter 7 bankruptcy.

Take a Credit Counseling Course

After you have met with your attorney, you will need to take a credit counseling course before you can file your bankruptcy case. The course is fairly short and can be completed in person or online. After you pass the course, you will be given a certificate that expires in 180 days. If you don’t file your case within 180 days, you will have to repeat the course.

Prepare Your Case

Once you’ve turned in all of your paperwork, your attorney will start preparing your bankruptcy filing.  Your attorney will guide you through the entire process so they can answer your questions and clarify anything that needs further understanding. After your case is filed, you will be given a case number.

341 Meeting of Creditors

About a month after you file for bankruptcy, you will need to attend the 341 Meeting of Creditors. During this brief meeting, you will talk to a trustee to get answers to some basic questions about your case. Your attorney will prep you for what to expect from this meeting.

Debtor Education Class

In order for your debts to be discharged, you have to take a financial management course. After you complete the course, your debts can be discharged, but no sooner than 60 days after your 341 meeting.

Are you thinking of filing for bankruptcy? Not sure which bankruptcy option is right for you? Then call our legal team at (304) 867-0049 to schedule a free consultation