When people first call our office, they often ask, how do I file for bankruptcy? While there is a lot involved in filing for bankruptcy, the simplified answer is that they should come in for an initial consultation, at which time we will talk to them about their situation to make sure that bankruptcy is the right thing for them.
If they then want to file, they will come back for another meeting and bring with them all of their bills, and if they are working, they will bring their paychecks and they will bring their last two tax returns. We will ask them a lot of questions at this meeting. And with the answers to the questions and the papers they bring us, we will prepare their papers.
They will come back for one more meeting, at which time they will sign their papers, which will then be filed with the court. Once the papers are filed with the court, a meeting is set up with a bankruptcy trustee about four or five weeks later.
At this meeting, the client will be interviewed by the bankruptcy trustee, and that will be the only appearance they have to make in court. About two months later, they will receive in the mail their discharge, which is their notice that they no longer have to pay their debts and that their bankruptcy was successful.