The first step is to pick up the phone and give us a call or send us an email. If we are available to chat we will talk right then. If not, we will schedule an appointment as soon as possible. During the initial consultation we will discuss your financial situation and come up with a strategy.

The drafting appointment is held over the phone, in person or over video chat if requested. We go over the documents with you and prepare your case for filing. Prior to filing we send the petition and fee agreement to you for review, approval and electronic signature.

When your case is filed, the Automatic Stay automatically goes into effect and forbids creditors from contacting you directly. This means you will stop receiving mail and phone calls and any pending lawsuits, repossession, foreclosures or garnishments are terminated. The Automatic Stay is very powerful and provides debtors immediate relief.

A discharge is a formal and permanent injunction against the collection of your debts. In a Chapter 7, the Court enters an order of discharge after all requirements are met, but no sooner than the last day to object to the Debtor’s Discharge. This is usually about 60 days after the first date set for the Meeting of Creditors. Most Chapter 7 cases get a discharge in about 90 days. If you filed a Chapter 13, you will receive a discharge shortly after your final payment. A Chapter 13 lasts between 3 – 5 years.