If you need a fresh start and are considering bankruptcy, it’s important to be informed and know your options. Information about the different bankruptcy chapters, the bankruptcy filing process and filing requirements will help you make an informed and wise decision toward your fresh start. This page contains resources to help you better understand your options when considering bankruptcy. If you have any questions, feel free to contact us any time.
During the free consultation with Bankruptcy Attorneys Mr. Peterson or Mr. Zeyer, you will talk about your specific situation and options. They will also explain the steps to move your case forward. You will be provided a bankruptcy packet to fill out and return to our office. We will open a file for you and you can then start referring your creditors to our office.
Bankruptcy Counseling Class
The bankruptcy code requires that you complete an online bankruptcy counseling course before you are able to file. Peterson Zeyer Law will provide you with instructions on how to completed this step.
Petition Preparation & Review
Our office will prepare all the legal documents in preparation to your filing. We will work closely with you to make sure we have everything correct and up to date.
When your petition is done you will meet with Mr. Peterson or Mr. Zeyer to review and sign your petition. We will also prepare you for the meeting of creditors. After your petition is signed, you will be ready to file and a filing date will be selected. Your bankruptcy will be filed on the date selected and you will receive a case number. Once your case is filed garnishments and collections calls must stop.
Meeting of Creditors
As part of the bankruptcy process, you are required to attend the Meeting of Creditors. Some people call this meeting “Bankruptcy Court” but it is not held in a courtroom or in front of a judge. The Meeting of Creditors is held about 30 days after the filing date and Mr. Peterson or Mr. Zeyer will attend this meeting with you.
Debtor Education Course
Just like the Bankruptcy Counseling Class the bankruptcy code requires a second course called the Debtor Education Course. Once your bankruptcy is filed and you have received a bankruptcy case number you are able to complete this second course. After the debtor education course is done, call our office to make sure we have a copy of the certificate of completion. We will file this certificate with the bankruptcy court and you are done!
Documents Needed to File bankruptcy
Here is a general checklist of documents needed to file Chapter 7 and Chapter 13 bankruptcy. We may ask your additional documents depending on your particular situation and case.
- Completed the Bankruptcy Packet and Questionnaire
- Complete the Required Counseling Certificates- Additional Expense of $15 for the first course and $10 for the second course.
- www.Accessbk.org Attorney Code: PZLAW
- Household Income Statements:
- Last 6 months of pay stubs for both Chapter 7 & Chapter 13
- If you are self employed: 12 months, Monthly Profit and Loss Statements
- Award Letters: Social Security Income or Disability, Pension, etc
- Tax Returns/Refunds: All tax refunds received during the bankruptcy must be turned over to the Trustee.
- If you are filing a Ch. 7: Last two years of State and Federal Tax Returns with all W2s
- If you are filing a Ch. 13: Last four years of State and Federal Tax Returns with all W2s
- Decree of Divorce, Child Support & Parenting Plans (If the divorce was within the last 8 years)
- Copies of Summons/Complaints, Judgments and/or garnishments