I’m not counting the obvious first step, hire us to help you!
Even after you hire us, but especially if you hire someone else or choose to do it yourself, getting up the courage to decide to change your life by filing for bankruptcy is just the beginning of your journey to the financial fresh start. Actually getting that discharge from the court takes us working together to get some things done that are probably hard for you to do. We have our checklists of all the detailed tasks that need to be accomplished. We do a lot of it, but that homework packet we hand you looks really scary when you first look at it. Yes, we need all (or most) of that information, but this really breaks down into a simple process.
Step 1 – Collect Information
Today’s version of the bankruptcy code pushes folks harder than it did before 2005 to prove that they deserve a fresh start. If you’ve hired us, we know you deserve it. We just have to collect the documents and information to prove it. That’s the homework packet we give you. Yes, it looks like a lot, but it’s really only 3 things:
- What do you earn?
- What do you own?
- What do you owe?
Be completely honest when filling this stuff out. It doesn’t go to court, and it’s protected by client-attorney privilege. Haven’t filed taxes in a while? We can handle that one together. You can bare your soul safely. It’s our job to take what you give us and make sure we can accomplish your goals together. We do that best with as complete a picture as you can give us. If you aren’t sure about something, write it down and put a question mark by it. We can figure it out together. No sweat!
Step 2 – Talk to the Trustee
Everyone has to talk to the Trustee. Sounds super intimidating, doesn’t it? It’s nowhere near as bad as it sounds. Since we’ve already collected everything the Trustee wants to know, applied the correct legal strategies, and submitted the info to the bankruptcy court, all you have to do is tell your story. The hardest part is waiting your turn to talk.
Step 3 – Take Your Class
Last thing to do is take your class. You’ll learn a few things about how not to get back in this position. We like to use Greenpath partly because they’re real easy for us to work with, but also because they offer a bunch of other classes that can help you learn skills to manage your finances safely, and successfully.
Sure, there are a lot of little details to take care of within each of these steps. You don’t have to worry about them though. We have this down, and we’ll make sure you know exactly what you need to do throughout the process. You complete these three steps, and we’ll finish it off by closing your case with a successful discharge of your debts. And that’s a Clean Slate.