Bankruptcy Basics

We are here to help you 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 the process. If you have any questions, feel free to contact us any time.
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Free Consultation

During the free consultation with Bankruptcy Attorney Mr. Zeyer, you will talk about your specific situation and identify options tailored to your case.  Mr. Zeyer will also explain the steps to move your case forward and identify any timing issues.  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. Zeyer to review and sign your petition. We will also prepare you for the meeting of creditors so you know what to expect. 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. Zeyer will attend this meeting with you.

Debtor Education Course

The bankruptcy code requires a second online course called the Debtor Education Course.  Once your bankruptcy is filed and you have 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! We will continually monitor your case and inform you of the bankruptcy discharge and the closing of your case.