The Process

Step 1:

Set up a no cost initial consultation with Attorney Christopher Soppe; During this meeting Mr. Soppe review your current financial situation and helps you decide whether filing bankruptcy is your best option. It is helpful to bring with you to this meeting your last sixty (60) days of paystubs, most current bank statements, creditor statements and your last two years of tax returns and attachments.

Step 2:

Obtain A Credit Counseling Certificate; While Attorney Soppe is prepares your bankruptcy petition you must complete Credity Counseling before your case can be filed.  Mr. Soppe will provide a list of court approved credit counseling agencies.

Step 3:

Review Bankruptcy Petition; Once Attorney Soppe prepares your bankruptcy petition you will need to meet with Mr. Soppe to review your petition. After reviewing your petition, it will be filed with the bankruptcy court.

Step 4:

Meeting of Creditors; Approximately 30-40 days after filing your bankruptcy petition  there will be a meeting with the bankruptcy trustee called the Meeting of Creditors.  This meeting is usually 5-10 minutes long and Attorney Soppe will give details about the meeting and attend the meeting with you. After filing bankruptcy an “automatic stay” prohibits creditors from collecting debts, including harassing phone calls, letters, lawsuits, garnishments and foreclosures.

Step 5:

Complete Personal Finance Management Class; You will have 60 days after the Meeting of Creditors to complete the Personal Finance Management Class. This is a requirement to receive your discharge and Attorney Soppe will provide a list of court approved Personal Finance Management Classes.

Step 6:

Discharge; Approximately 60 days after the Meeting of Creditors your will receive your discharge and your bankruptcy will be closed. The discharge is what “wipes” out your debts.  Certain debts cannot be discharged. The most common types of debts that cannot be discharged are student loans, child support, alimony, criminal fines and most taxes.