A Lawyer Who Will Be With You at Every Stage of the Bankruptcy Process

Filing for and completing a consumer bankruptcy can be a complex process. While it is possible to file on your own behalf, there is a specific timeline that must be followed. It can be difficult to successfully navigate the bankruptcy process without the help of an experienced attorney.

The first step is to determine which type of bankruptcy best suits your needs and your particular situation. The bankruptcy process is very different under Chapter 7 and Chapter 13, and each type has specific qualifications that must be met.

I am attorney Doug Breyfogle. From my law office in Kansas City, I help consumers in Missouri and Kansas seek real debt relief under the Bankruptcy Code. Contact me today for a free consultation to determine whether you qualify for bankruptcy and to learn more about the next steps in the process.

Gathering Information

Assuming you are qualified to file for bankruptcy, and assuming that there are no alternatives to bankruptcy that might meet your needs better, it will be necessary to gather extensive documentation of your finances: income, debts, assets, expenses, etc. Your bankruptcy lawyer can help you in this process, particularly when it comes to obtaining any necessary records from your creditors.

Gathering the documents should be easy homework for you, not an overwhelming prospect. At my office, I understand that you may not have all your records in order. During your free initial consultation, I’m going to talk to you about the big picture and try to understand exactly how things got this bad. After our first meeting, I will send you home with a checklist. You will just need to gather the information you have.

The process is more complicated for a Chapter 13 bankruptcy. You must not only gather the appropriate information, but you must also put together a three to five year debt repayment plan that has to be approved by the U.S. Trustee’s office before your bankruptcy filing will be accepted. This may seem overwhelming, but I have helped consumers in Missouri and Kansas do just that for over 15 years.

Filing While You Watch

Very soon, I will be able to complete the electronic bankruptcy filing. This is an immediate process. You will be able to watch as I complete the filing and fax a notice to your creditors. At that point, all collections actions by your creditors must stop. No more phone calls. No more letters. No more worrying about debt collectors coming by your house or place of work.

The Resolution

Approximately one month after filing, you and I will attend a “341 meeting.” This is a meeting in which a court-appointed trustee conducts a thorough review of your bankruptcy petition. It is possible to attend a 341 meeting without a lawyer, but there is almost no way for the average person to be fully prepared to answer the questions that will likely be asked. I will guide you through the process and will diligently represent your interests at the meeting.

After the 341 hearing, your creditors have 60 days to formally dispute the discharge of any debts. If necessary, I will fight for your rights in the bankruptcy court. Assuming your petition is accepted and there are no disputes, your Chapter 7 bankruptcy will be resolved somewhere between 60 and 75 days after your petition is accepted.

A Chapter 13 bankruptcy is only resolved when you have completed the repayment plan. In this case, I can help you stay on top of the debt repayment timeline and address any new challenges as they arise.

Contact Me Today to Get Rapid Debt Relief

To discuss your situation in a free telephone consultation, please call my Kansas City office at 913-742-8700. You can also contact me by e-mail now for answers to your important questions or to schedule an appointment.