Before you can file bankruptcy, you will need to obtain pre-bankruptcy credit counseling. This counseling must be completed 180 days before your bankruptcy can be filed, and freecredit North Dakota must be through an agency that is approved by the Department of Justice’s U.S. The counseling is usually accessible online or by phone as well as in person and may be an hour to an hour and a half long. The cost freecredit North Dakota for this counseling is usually around $50. If you are unable to pay the fee you may qualify for free counseling. Once you have the counseling out of the freecredit North Dakota way and you have all of your information together you are ready to file your bankruptcy with the bankruptcy court. This is another time it’s helpful to obtain the services of a law office. Bankruptcy petitions and schedules can often consist of hundreds of pages of paperwork, and if filing freecredit North Dakota yourself, it’s easy to miss something integral to the process.
Attorneys however, can take care of all of the filing of paperwork and making sure the court has everything necessary for your bankruptcy. After the Bankruptcy Petition is Filed When the petition has been filed, you will wait for your hearing date. The bankruptcy hearing is more widely known as the 341 Meeting, or the freecredit North Dakota First Meeting of Creditors. my free credit report
This meeting takes place 20-40 days after your petition has filed and you must attend this meeting.
It is usually the only hearing or meeting you will need to attend in freecredit North Dakota order to file a bankruptcy, other than any freecredit North Dakota meetings before filing that take place with your attorney. The 341 Meeting is not to catch you and throw you in jail. Often the anticipation of the First Meeting of Creditors can seem a bit scary but it is simply a meeting that allows the Trustee to ask you under oath whether you have disclosed accurate information about your finances and property.
Creditors may appear to ask questions as well, although freecredit North Dakota it is a rare occasion when a creditor actually shows up at a 341 Meeting. This meeting is relatively short, and often involves a line of other bankruptcy filers freecredit North Dakota who are there for the same reason. fair credit reporting act free credit report If you do not show up or do not bring the documents required (such as an I.D.
and proof of Social Security Number), your bankruptcy may be dismissed.
After the First Meeting of Creditors Creditors and the Trustee have 60 days after freecredit North Dakota your 341 Meeting to challenge your right to discharge the debt. You will need to take another counseling course in order to obtain the discharge, but this one is freecredit North Dakota slightly different from the initial credit counseling. The Debtor-Education Course consists of advice for budgeting and managing your finances and using credit wisely. It is usually longer than the pre-bankruptcy credit counseling but can also be taken over the phone, online or in person. The cost is around the same amount and can be from $50-$100. Again, freecredit North Dakota if you are unable to afford the cost of the post-filing debtor education, you may be able to have the fee waived. Both courses provide certificates that include special numbers in order to avoid fraudulent counseling and certificates, so make sure you check freecredit North Dakota with the U.S. Trustee’s website to make sure the organization you are receiving counseling from is approved. You can expect your lawyer (if you use one) to recommend a reputable company. If none of your creditors file an adversary proceeding to deny your right to discharge your debts, the court issues an order to discharge after the 60 day period has passed from your 341 Meeting. credit report and score It can take up to 4 to 6 months after filing for bankruptcy to receive your discharge, but once you do you’re pretty much finished with the whole ordeal.
Make sure to keep your paperwork and copies of the discharge freecredit North Dakota because there will be creditors that somehow miss the memo and will contact you anyway. If this should occur, let them freecredit North Dakota know when and where you have filed freecredit North Dakota bankruptcy. If they need a copy of the discharge you may have to send them a copy as well, but note that it is illegal for the creditor to freecredit North Dakota attempt to collect a debt after you have so much as filed the bankruptcy petition.
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