Here is what to expect from your bankruptcy lawyer in New Jersey.

It usually starts with a phone call –

Then a meeting.  At that first meeting, we will explain the process which starts with gathering a large amount of financial information from you.  We give you a questionnaire to take home which asks many important questions.  We will also give you a list of documents we need to complete your bankruptcy case.

Most people take advantage of our payment plans and start making regular payments.

While making payments, you will start submitting documents

Once we have all of your documents and other financial information, we start compiling your bankruptcy petition.

Once complete, we will ask you to review it and sign it.  Then we will submit to court.

In the case of Chapter 13, we will propose a Chapter 13 Plan to the trustee for repayment of your debts over tie.  The trustee will review it and usally make comments which cold require us to amend the plan.

Approx 30 days later, we will go with you to a meeting with the trustee known as the section 341 meeting.  There the trustee will ask you some questions and ask for your identification.  This meeting usually takes no more than 15 minutes and takes place at the Trustee’s office.

Ninety days after submission of your chapter 7 petition, you should be notoied of a discharge.

In the case of a Chapter 13, you will be required to make payments to the trustee right away.

Often at the 341 meeting the trustee will provide some comments that may require an amendement to your plan.  We will submit that amendment.

Confirmation hearing.  No need to attend.  Confirmation.

After confirmation, continue to pay the trustee every month for the duration of the plan.