It is a good idea to make a list and make sure you have all of the necessary information. In order to file bankruptcy, you will also need statements for any property including your home, bank statements, and check stubs where you are employed. If you receive Social Security, you may need something showing your source of income. You will also need to determine whether you are filing a Chapter 13, which sets up a payment schedule to pay off your creditors, or a Chapter 7 where you do not make payments free credit report no credit card Missouri on your debt at all. This is one of the times free credit report no credit card Missouri it is helpful to meet with an attorney, as they can guide you in the direction free credit report no credit card Missouri that is best suited for your situation. 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. score credit report
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 free credit report no credit card Missouri by the Department of Justice’s U.S. The counseling is usually accessible online or by phone as well as in person and may be an hour to an hour and a half long.
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 bankruptcy court. credit history free This is another time it’s helpful to obtain the services of a law office. Bankruptcy free credit report no credit card Missouri 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 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 after your petition has free credit report no credit card Missouri filed and you must attend this meeting. 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. The 341 Meeting is not to catch you and throw you in jail. free credit report from 3 bureaus Often the anticipation of the First Meeting of Creditors can seem a bit scary but it is simply a meeting that allows the Trustee to ask you under oath whether you have disclosed accurate information about your finances free credit report no credit card Missouri and property.
Creditors may appear free credit report no credit card Missouri to ask questions as well, although it is a rare occasion when a creditor actually shows up at a 341 Meeting. This meeting is relatively short, and often involves a line of other bankruptcy filers who are there for the same reason.
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