CALL NOW!
FREE PHONE/VIRTUAL CONSULTATION

What to Expect Once You’ve Decided to File Bankruptcy from Home

file bankruptcy from homeFile Bankruptcy from Home

There are a few things that happen when you file bankruptcy from home. An automatic stay to protect you from debt collection goes into effect. You are required to go to credit counseling. You must complete bankruptcy paperwork and submit it to the court along with your filing fee.

No matter who you are or why you decide to file, these things occur when you file for bankruptcy.

This is the case whether you file traditionally or if you file bankruptcy from home.

Pre-filing Counseling

Everyone who files for bankruptcy must participate in pre-filling credit counseling. There is an additional education course required mid-way through bankruptcy. The purpose of these courses is to ensure anyone who files has the information needed to determine if bankruptcy is the best option for them.

Additionally, the courses help filers handle their credit better in the future and understand how to manage their money if that was something they struggled with before filling. These courses are mandatory and anyone filling from home or otherwise must submit proof of participation in the courses to the court before their bankruptcy is finalized.

The US government provides information about what you need to know concerning bankruptcy counseling courses here.

Automatic Stay

Anyone who files for bankruptcy, whether they file from home or if via traditional means, receives the benefits of an automatic stay once they’ve begun the filing process. The automatic stay legally bars any debt collector from contacting you about the debt. They cannot call you, email you, mail you, come to your home, or serve you with a lawsuit. They cannot file a new lawsuit, nor can they begin or continue foreclosure or repossession efforts.

All debt collection efforts stop when you file. This doesn’t mean you are protected forever from certain collection efforts, though you might be. It does mean you can move forward with the filing process without constant harassment from collectors.

Paperwork and Filing Fees

Bankruptcy relieves a great deal of your stress and some of your debt obligations, at least temporarily. But this doesn’t mean you won’t have responsibilities once you decide to file. Your most important obligation is completing your bankruptcy paperwork and submitting it to the court with your filing fee. Bankruptcy paperwork is detailed and time-consuming, but it’s likely the most difficult part of the filing process.

You’ll need to organize your financial information, share it with the court, and show that you are prepared to meet any remaining obligations of filing for bankruptcy. Ideally, you’ll call on a bankruptcy attorney to help you with the paperwork. We’re able to help you file for bankruptcy from home, which makes it as efficient and safe as possible.

Meeting of Creditors

One of the most dreaded parts of bankruptcy is the Meeting of the Creditors. Sometimes known as the 341 Meeting, this is a face-to-face meeting where the bankruptcy trustee and creditors review your paperwork and raise any concerns they might have. Most of the time it goes off without a hitch, but that doesn’t mean it isn’t intimidating. Many people are happy to learn that the meeting can be held virtually when you file for bankruptcy from home.

Discharge

Finally, after you’ve completed all other requirements of filing for bankruptcy, you are granted a discharge of your debt. If you’ve filed for Chapter 13 bankruptcy you’ll begin your payment plan. This step is the goal when you file for bankruptcy and it provides you with the financial fresh start you were seeking.

An Attorney Helps You File Bankruptcy from Home

Filing for bankruptcy from home or in the traditional manner is one of the best ways to get a handle on a difficult financial situation. If you’d like to learn more about how bankruptcy can help you, we’d like to speak with you. Contact us at the Law Office of Robert M. Geller at 813-254-5696 to learn more.

Archive

Tampa Bankruptcy Law Blog

Bankruptcy and Eviction History

Eviction With the rate of evictions on the rise in recent months and the expectations that eviction numbers will grow,...
Read More

What to Expect Once You’ve Decided to File Bankruptcy from Home

File Bankruptcy from Home There are a few things that happen when you file bankruptcy from home. An automatic stay...
Read More

Will Filing for Bankruptcy Affect My Job Search? What You Need to Know about Unemployment and Bankruptcy

Unemployment and Bankruptcy Searching for a job when you are faced with a dire financial situation is difficult. If you’ve...
Read More

Will I Need to Go to Court If I File for Bankruptcy?

File for Bankruptcy from Home One of the most intimidating aspects of filing for bankruptcy is meeting in person with...
Read More

COVID-19 and Debt – 5 Ways the Pandemic is Leading More People to Bankruptcy

COVID-19 Debt If you’re considering bankruptcy you aren’t alone. The last few months of 2020 have brought a great deal...
Read More

What Happens If Someone Dies Mid-Bankruptcy? Here’s What You Need to Know about Death and Bankruptcy

Death and Bankruptcy The average person files for bankruptcy receives their debt discharge and moves on with their life. They...
Read More

Does Filing for Bankruptcy Mean I Lose My 401k? Here’s What You Need to Know

401k and Bankruptcy The money you’ve saved in your 401k retirement savings plan is one of your biggest concerns when...
Read More

What to Do If a Debt Remains on Your Credit Report after Bankruptcy: Why You Need to Be a Detective When It Comes to Credit Reporting Errors

Credit Reporting Errors If you’ve noticed something on your credit report that doesn’t belong there, you aren’t alone. Credit reporting...
Read More

What Happens to the Property I Lose in Bankruptcy? Some Bankruptcy Assets Might Be Protected in Your Favor

Bankruptcy Assets One of the biggest fears people have about filing for bankruptcy is losing their possessions. Many people avoid...
Read More

3 Bankruptcy Tips To Prevent Your Case From Going Off The Rails

Bankruptcy Tips Bankruptcy is one of the most powerful tools you have for improving your financial situation. Unfortunately, it sometimes...
Read More

Bankruptcy

For The Next 5 Days GET A FREE BOOK About Bankruptcy

Learn More

Infographics

We are A Debt Relief Agency.
We help people file for bankruptcy under the Bankruptcy Code

Pay Online Bankruptcy Courses Newsletter Subscription

NACBA Logo comodo avvo1 avvo2 avvo3 LEA BBB Logo RG Seal

Call For A Free Initial Consultation

813.254.5696

Tampa Office

Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405

Map And Directions

St. Petersburg Office

Law Offices of Robert M. Geller, P.A.
125 5th Street South
(Wells Fargo Financial Center)
2nd Floor, Suite G
St. Petersburg, FL 33701
T: (727) 532-3939

Map And Directions

Pasco Office

23526 State Road 54
Lutz, FL 33559
T: (813) 336-2320

Map And Directions