The whole process, once your case is filed, lasts 6 months; however, during that time you only do three things. One is to see me, one or two times; two, is to provide me some paperwork, such as pay stubs and tax returns; and three, is to attend the 3-minute meeting with the bankruptcy trustee.

In Chapter 7 cases, the period of time between when the case is filed to receipt of the discharge order is usually about ninety days. During that period, the debtor attends the first meeting of creditors and must complete the second class required prior to discharge which is called the Personal Financial Management Course or the Financial Education Course. This class usually takes an hour to an hour and a half. See similar questions...

A bankruptcy stays on the credit report for 10 years. Collection accounts and all other credit report information stay for 7 years. Recency is a large determinant of credit score results. Having a prior bankruptcy is not always a stumbling block toward getting a home loan, especially if it occurred more than three years in the past. See similar questions...

Your spouse does not have to file bankruptcy jointly with you. If the debts are in your name only, there is no reason for your spouse to file with you. See similar questions...

A bankruptcy case is commenced by the filing of a petition. You must also file a statement of your assets and liabilities, and schedules listing your creditors. If you choose to file a bankruptcy petition without the assistance of an attorney, you can obtain the required forms at most stationery stores or at www.uscourts.gov/bkforms/index.html. There is a range of filing fees for bankruptcy cases, depending on the chapter of the bankruptcy code under which you file. See similar questions...

A person, partnership, corporation, or business trust may file a bankruptcy case. Corporations, partnerships and business trusts cannot proceed if they are not represented by an attorney. Only an individual can proceed without an attorney. However, the bankruptcy process is extremely complex, and individuals are strongly encouraged to seek competent bankruptcy counsel. If a person or the entity who owes the money, called the debtor, starts the bankruptcy, it is called a voluntary bankruptcy. See similar questions...

If you have completed your Chapter 13 Plan, and paid at least 70% of your unsecured debt, there is no waiting period. If your bankruptcy was dismissed, you must usually wait for 180 days to re-file. You may file a Chapter 13 at any time if your new Plan proposes to repay 100% of your debts. See similar questions...

A normal chapter 7 bankruptcy takes about 4 months until the discharge is received. At this point, most consider the bankruptcy final. See similar questions...

In most Chapter 7 cases, the bankruptcy is discharged within 3 or 4 months. There is usually one court appearance the party must attend and a trustee is appointed to handle the matter. Once the trustee has received all of the information necessary and the 341 hearing has been conducted, the discharge can be ordered by the Court. The information you obtain at this site is not, nor is it intended to be, legal advice. See similar questions...

For Chapter 7s, once the filing is made, an "automatic stay" prevents further collection activity against you, with a few exceptions, such as child support proceedings. You will have a creditors meeting the following month, and you will get your discharge within three months of the creditors meeting. For Chapter 13s you will also be required to make payments to the Chapter 13 trustee for a minimum of three years, maximum five years, and receive your discharge upon completion of your payments. See similar questions...

A bankruptcy will normally last until the third anniversary of the bankruptcy order. During this time you cannot hold public office or be a business director and you cannot apply for credit over £250 without notifying the lender of your bankruptcy. See similar questions...

The applicant has 60 days from the time they receive a Final Determination of Threat Assessment to provide the required information to TSA for consideration. Access to these areas will depend on the owner/operator security plan and their escorting procedures, as well as the enforcement and compliance date for that particular USCG Captain of the Port zone. See similar questions...

No. In some cases where only one spouse has debts, or one spouse has debts that are not dischargeable, then it might be advisable to have only one spouse file. Also, debts which your spouse is jointly liable are subject to the co-debtor automatic stay. See similar questions...

Current law permits individuals to file their own cases and to represent their own interests in bankruptcy proceedings. However, it may not be wise for you to do so. Any bankruptcy case can become a complicated matter requiring both knowledge of the law and experience before the court to successfully complete. See similar questions...

Upon filing the original petition with the Clerk's Office, the "automatic stay" immediately takes effect and prohibits all creditors from taking certain collection actions against the debtor or the debtor's property. Although the stay is automatic, creditors need to be advised of the stay. See similar questions...