a legal proceeding which allows a debtor to discharge certain debts or obligations without paying the full amount or allows the debtor time to reorganize his financial affairs so he can fully repay his debts. (A bankruptcy does not discharge obligations secured by a deed of trust.)
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Key Events In A Chapter 7 Bankruptcy By Resolve Legal What happens when you file for under Chapter 7? At Seattle’s Resolve Legal PLLC, a Seattle law firm handling only consumer bankruptcies, we’ve found that when clients understand the key events in a Chapter 7 bankruptcy, the process is less stressful.
Here are the events:
You meet with an attorney at our Seattle law firm. The attorney at our Seattle law bankruptcy firm will collect information about your financial situation. This information is needed for documents that will be filed with the court. The attorney at our Seattle law firm will arrange a meeting for you with a consumer credit counselor, a step debtors usually must take before filing for bankruptcy. Also, the attorney at our Seattle law firm will discuss costs and legal fees; most Chapter 7 bankruptcies are on a flat-fee basis.
Your case begins A petition prepared by an attorney at our Seattle law bankruptcy firm is filed with the court and begins your case. After the filing, the court will appoint a trustee to oversee your case.
Meeting of creditors The meeting occurs about six weeks after your case begins. At the meeting, you’ll testify under oath as to the accuracy of your petition. Your attorney from our Seattle law firm will be there. However, most creditors will not. The meeting is informal and lasts no more than 10 minutes.
Exemption Claim Objections If the trustee
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and creditors object to any of your claims that certain property is exempt (in other words, you keep it and creditors can’t go after it), they must object within 30 days after the creditors’ meeting. Your attorney at our Seattle law firm will respond to any objections.
Debt Discharge Objections If creditors have objections about debts you want discharged, they must object within 60 days after the creditors’ meeting. Your attorney at our Seattle law firm will respond to these objections.
Financial Education Requirement Before you can be discharged from your debts, you must complete an instructional course about personal financial management. Your attorney at our Seattle law bankruptcy firm can arrange for this.
Discharge All your debts are wiped out (with some exceptions such as child and spousal support).
Those are the key steps. If you want more information, your attorney at our Seattle law firm will be happy to provide it.
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