Yes! We will need to update your budget to reflect any changes to your income. If you are on payroll-deduction, we will also need to update your employer with the court and the trustee so an order to pay can be sent to your new employer.
Yes! You will receive a lot of important information regarding your bankruptcy via mail, so we need to have your current address. Once you notify us, we will let the court and the trustee know so that all mail is directed to your new address. We also need to be able to get ahold of you by phone.
Call our office ASAP. Our attorneys may be able to temporarily lower your payments or there may be other options that we can discuss with you.
If your refund was taken before you filed, then no. If your refund was taken after you filed, then we may be able to get it back, but this is something you will want to discuss with us.
If your case was only recently filed, it is likely that the creditor may not have received notice yet. However, if it continues, please let us know so that we can contact the creditor and put a stop to it.
Yes, any bills that were owed before you filed may be added in a Chapter 7 bankruptcy. However, the courts charge a small fee to add bills after the petition is filed. We will work with you to make sure that any missing bills are added while trying to minimize the cost to you.
The second course must be completed before you can receive your discharge. We recommend taking the second course as soon as you can after your case is filed to make sure that it is done on time.
A reaffirmation agreement is paperwork from one of your creditors that allows you to keep debts like home mortgages and vehicle loans in a Chapter 7 bankruptcy. We will work with you and your creditors to make sure that any reaffirmation agreements are complete and filed with the court.
You must complete your second class before you receive a discharge. Ideally, you should complete this as soon after your case is filed as you can. If you have forgotten or lost the information, call us and we will work with you to make sure you are able to complete the course before you get your discharge.
If you have filed for bankruptcy with us, then you will have already paid for your second course when you paid your filing fee, so there is no need to pay any other company for the same thing. If you did not file with us but have retained us to represent you, please contact our office before paying for any other courses as ours may be cheaper.
Disclaimer: We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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