The Chapter 7 Process
Hi, my name is Frank Papa, and I’m an attorney with the law offices of rubber, M Geller, PA. And I’m here to talk to you today about the chapter seven bankruptcy process. The process starts with your providing necessary documents to our office. To assist you in completing the documents necessary, necessary to file your case. My staff will go to those documents with you, instruct you to take the credit counseling class required by the court and come into the office to meet with one of our attorneys, to go over those documents, to be ready to file with the court.
You’ll meet with one of the attorneys. We will go over those documents to make sure that you have an opportunity to review them, to make sure that they’re all accurate and correct. You will assign them. There’ll be filed with the court electronically, but a month after filing, there’ll be a meeting with the trustee.
The chapter seven trustee, an attorney from our office will attend that meeting with you. The trustee will ask you questions about your income assets and liabilities, and the things basically contained in those documents before your discharge will be entered. You are required to attend a dinner education course online. That certificate will be filed by our office with the Corps. Within 60 days of your meeting, you’ll receive your discharge of debtor in the mail. This freed you and discharged you of those debts.
720 Credit Program
At that time, call our office so that you may be registered for the 720 credit score program. It’s a credit service that’s designed to assist you in building credit to a 720 credit score within 1-2 years. You were discharged in bankruptcy, a 12 week online tutorial that will give you insight, information and pointers on how to build your credit back very quickly. Once you’ve done that program, please feel free within 90 days of your discharge to give us a call. One of our attorneys will be happy to sit down with you to go over your credit report. They’ll make sure all creditors are properly reporting your debts as included in bankruptcy on your credit report, under the fair credit reporting act. Thank you so much. We look forward to hearing from you and bringing you to a brighter future.