Credit report scores Topeka

A means test will calculate whether you qualify for a Chapter 7 bankruptcy and if in fact you do not meet the requirements, your attorney will advise you on your options.

Before you can file bankruptcy, you will need to obtain pre-bankruptcy credit counseling. This counseling must be completed 180 days before your bankruptcy can be filed, and must be through an agency that is approved by the Department of credit report scores Topeka Justice’s U.S. The counseling is usually accessible online or by phone as well as credit report scores Topeka in person and may be an hour to an hour and a half long. your credit report online The cost for this counseling is usually around $50. If you are unable to pay the fee you may qualify for free counseling. Once you have the counseling out of the way and you have all of your information together you are ready to file your bankruptcy with the credit report scores Topeka bankruptcy court. This is another time it’s helpful to obtain the credit report scores Topeka services of a law office. free credit report in canada Bankruptcy petitions and schedules can often consist of hundreds of pages of paperwork, and if filing yourself, it’s easy to miss something integral to the process. Attorneys however, can take care of all of the filing of paperwork and making sure the court has everything necessary credit report scores Topeka for your bankruptcy.

After the Bankruptcy Petition is Filed When the petition has been filed, you will wait for your hearing date. The bankruptcy hearing is more widely known as the 341 Meeting, or the First Meeting of Creditors. This meeting takes place 20-40 days credit report scores Topeka after your petition credit report scores Topeka has filed and you must attend this meeting. identity security It is usually the only hearing or meeting you will need to attend in order to file a bankruptcy, other than any meetings before filing that take place with your attorney.