Filing Chapter 13

Listed below are sample timelines for filing Chapter 7. Filing bankruptcy in Daytona Beach, Orlando or Jacksonville can vary based on the specifics of debt and your immediate needs for debt relief.

Basic Timelines for Filing Bankruptcy

• Free phone or in-office consultation to discuss your bankruptcy case.
• Discuss bankruptcy attorney fees and costs associated with our services (payment plans available).
• Client then fills out paperwork and gets supporting documents to our office.
• Client takes a credit counseling class on line or over the phone (approx. 45 min.).
• Client comes to office to sign and review documents that will be filed with the court.
• Our office files the case and calls the client with their case number.
• After filing the case the client will start making payments to a Trustee who will then pay the debts included in their bankruptcy. The first payment is due 30 days after the case is filed. So, if you want to dictate the day your first payment is due, then chose carefully the day we file your case.
• Approximately 30 to 45 days after filing the case the client and their bankruptcy attorney will appear before the Trustee for a "341 Meeting of Creditors" to answer a few questions about your income and debts (Just tell the truth.).
• Clients takes a Debtor Education class on-line or over the phone (approx. 45 min.).
• The Court mails the client and all creditors a Notice of Discharge after the client makes all their plan payments.
• Client starts a new life "Debt Free" and begins to repair their credit.

If you are considering filing Chapter 13 bankruptcy, contact the Law Offices of Keith D. Collier today in Daytona Beach, Orlando or Jacksonville for your FREE bankruptcy consultation. Our bankruptcy lawyers can review your current debt load and help you determine the best options for debt relief.