Bankruptcy Lawyer Serving LaPlace
The bankruptcy process: How do I get started?
1. Contact Us Immediately: Simply pick up the phone and call one of our attorneys at a
branch near you to briefly discuss your situation and set up an immediate FREE confidential
and personal consultation. Or, if you are at work or it is after hours,
you may use the
case analysis form and email us. We will get back to you very shortly.
*Many people considering bankruptcy inadvertently procrastinate calling
an experienced bankruptcy attorney for a variety of reasons; however,
this can be extremely costly to you! The quicker you file, the quicker
you can take advantage of one of the biggest, and mostly unknown advantages
of filing for bankruptcy, and that is the Automatic Stay which prevents
ANY further contact from or actions by creditors. Such actions that are
ceased are phone harassment, garnishments, lawsuits, repossession and
foreclosure. We have seen many clients unnecessarily lose assets, pay
creditors they didn’t have to, and cause themselves a lot of unneeded
stress by putting off seeing an experienced bankruptcy lawyer. Don’t
delay, you are on this website for a reason, the consultation is FREE
so take advantage of the opportunity to learn all of your rights and obligations
regarding bankruptcy and the benefits it can provide. Contact Us Today!
2. Gather Necessary Documents.
If you have already met with us or, if by doing your research, you know
that bankruptcy is right for you, you may download and print the
found on this website. This questionnaire is just between you and the
attorney, so don’t fret. All we ask is that you complete it thoroughly
and legibly. If there are questions you don’t understand, just note
them and we’ll discuss them with you in person.
- In addition to the questionnaire, we will need certain Required Documentation
from you. Although it may vary depending on the individual client, we
typically require the following;
- Last two (2) years tax returns;
- Last six (6) months paystubs for ALL persons employed in the household
- If you are self-employed, you need to provide an itemized Profit and Loss
statement broken down by each month.
- Last three (3) months bank statements for all accounts
- Copies of all vehicle registrations
- Copies of any and all lawsuits against you.
3. Credit Counseling. All debtors in the United States filing for bankruptcy must complete
a pre-filing Credit Counseling course online. Our offices recommend using
http://summitfe.org/; however, you may use any approved company you wish.To learn more about
the required pre-filing and post-filing credit counseling,
4. Means Testing. Once our office has received all required information and documentation
from you, we will perform the required means test to determine which Bankruptcy
Chapter you qualify for and, likewise, draft the necessary Petition, Schedules
and related documents. We will then schedule one last appointment with
you to explain all the documents to you which you will then sign off on
5. Filing. Bankruptcy cases are filed electronically and immediately; thus, we will
be able to present you with a case number that you can then give to any
creditors who contact you. We also use this information to immediately
cease all creditor actions, garnishments, repossessions, and foreclosure sales.
6. 341 Meeting of the Creditors. Soon after filing, the US Trustee’s office will notify us with a
date and time for you to attend what is known as a 341 Meeting. This is
NOT court and there is no reason for concern. The basis for this meeting
is to get you under oath confirming that you read all the information
in your Petition and listed all of your Creditors and Assets. Creditors
do have a right to attend to also ask you questions; however, this is
extremely rare and your attorney will be sitting right beside you. This
meeting usually lasts for only 5 minutes and usually takes place about
one month after the date of your filing.
7. Discharge Order! Roughly 45-60 days after the Meeting of the Creditors is held, you will
receive your Discharge Order from the Court evidencing you being released
from any further liability on those dischargeable debts scheduled in your
bankruptcy. ** If you are a Chapter 13 client, your attorney will attend
a confirmation hearing to confirm the terms of your proposed payment plan.
Typically, the client does not have to attend court for this hearing.
Once you have completed your plan of reorganization, the Court will then
enter your Discharge Order.
Metairie Bankruptcy Attorney
At Bacchus Law Group, LLC, our attorneys help hundreds of individuals through the
bankruptcy process each year. We pride ourselves on our personal involvement in each client's
case, and our outstanding communication. Any call that we receive from
a client about their bankruptcy case is returned within the same business
day. If you require help in getting started with the filing process, our
attorneys are available to provide you with whatever you need to pursue
your goal of
Contact a bankruptcy attorney
who can help you get started. We serve Covington, Mandeville, LaPlace,
St. Tammany Parish, and the surrounding areas.