Credit score check Savannah

You will also need to determine whether you are filing a Chapter 13, which sets up a payment schedule to pay off your creditors, or a Chapter 7 where you do not make payments on your debt at credit score check Savannah all. This is one of the times it is helpful to meet with an attorney, credit score check Savannah as they can guide you in the direction that is best suited for your situation. A means test will calculate whether you qualify for a Chapter 7 bankruptcy and if in fact you do not meet the requirements, your credit score check Savannah attorney will advise you on credit score check Savannah your options. Before you can credit score check Savannah file bankruptcy, you will need to obtain pre-bankruptcy credit counseling.

This counseling must be completed 180 days before your bankruptcy can be filed, and must be through an agency that credit score check Savannah is approved by the Department of Justice’s U.S. The counseling is usually accessible online or by phone as well as in person and may be an hour to an hour and a half credit score check Savannah long. credit scoring The cost for this counseling is usually around $50. If you are unable to pay the fee you may qualify for free counseling. Once credit score check Savannah you have the counseling out credit score check Savannah of the way and you have all of your information together you are ready to file your bankruptcy with the bankruptcy court. This is another time it’s helpful to obtain the services of a law office.

Bankruptcy petitions and credit score check Savannah schedules can often consist of credit score check Savannah hundreds of pages of paperwork, and if filing yourself, it’s credit score check Savannah easy to miss something integral to the process. credit score report Attorneys however, can take care of all credit score check Savannah of the filing of paperwork credit score check Savannah and making sure the court has everything necessary for your bankruptcy. After the Bankruptcy credit score check Savannah Petition is Filed When the petition has been filed, you will wait for your hearing credit score check Savannah date. The bankruptcy hearing is more widely known as the 341 Meeting, or the First Meeting of Creditors. This meeting takes place 20-40 days after your petition has filed and you must attend this meeting. It is usually the only hearing or meeting you will need to attend in order to file a bankruptcy, other than any meetings before filing that take place with your attorney. The 341 Meeting is not to catch you and throw you in jail. Often the anticipation of the First Meeting of Creditors can credit score check Savannah seem a bit scary but it is simply a meeting that allows the Trustee to ask you under oath whether you have disclosed accurate information about your finances and property. free credit reports all three Creditors may appear to ask questions as well, although it is a rare occasion credit score check Savannah when a creditor actually shows up at a 341 Meeting.

This meeting is relatively short, and often involves a line of other bankruptcy filers who are there for the same reason. If you do not credit score check Savannah show up or do not bring the documents required (such as an I.D. and proof of Social Security Number), credit score check Savannah your bankruptcy may be dismissed.