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To file a bankruptcy case, documents called a Petition, Schedules, and Statement of Financial Affairs, as well as in some cases a Statement of Intention need to be prepared correctly and filed with the bankruptcy court.  You will have to pay a filing fee to the bankruptcy court.
Once your case is filed, you will have to attend a first meeting of creditors where you will be questioned under oath by a court official called a “trustee”.  At this meeting you may also be questioned by your creditors.
If you choose to file a Chapter 7 case, you may be asked to reaffirm a debt.  You may want help deciding whether to do so.  Your attorney will assist you with this. A creditor is not permitted to coerce you into reaffirming debts.
If you choose to file a Chapter 13 case in which you repay your creditors what you can afford over a 3 to 5 year period, you attorney will help with preparing your Chapter 13 plan and with the confirmation hearing on your plan which will be before a Federal Bankruptcy Judge.
For information on bankruptcy, please contact the office of John Rogers, Attorney at Law, at johnrogers@glasgow-ky.com or toll free at 1-888-651-9353 or visit our website at www.bankruptcy.ky