Filing Chapter 7 Bankrutcy
Bankruptcy Attorneys: Belleville, IL | Glen Carbon, IL | Highland, IL

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Filing Chapter 7 Bankruptcy

Once someone has decided to file bankruptcy, one of the most common questions we get asked is what are the steps involved in filing bankruptcy. The steps for filing Chapter 7 Bankruptcy and Chapter 13 Bankruptcy are very similar with one major exception: filing Chapter 7 Bankruptcy does not require a repayment plan.


  1. FREE Consultation If you're thinking about filing bankruptcy, you should not rely on information found on the internet or the advice of friends or family. Every situation is different. We offer a FREE and Confidential Consultation with an experienced bankruptcy lawyer with no obligation. Learn how the law can help you in your specific situation. Get answers to your questions and learn about all of your options, which may not include bankruptcy. Schedule your FREE Consultation online or call our office.
  2. Gather Documents
    After your FREE Consultation with one of our bankruptcy lawyers, you will have a list of documents to collect. Your bankruptcy petition will require quite a few documents as supporting material. Yeah, we know this is the hard part but you should think of this as the fun part - soon you won't have the burden of debt looming over you.
  3. Credit Counseling Class
    You will be required to attend a credit counseling class prior to any submission to the court. This class only takes about an hour and can be done online or over the telephone at any time of day.
  4. Sign Paperwork
    Only at this stage of the process will we ask you to sign a formal agreement to hire The Bankruptcy Center as your bankruptcy attorney of record. Once you sign the paper work, we now have an attorney-client relationship and you now have a bankruptcy professional representing you. Notice all the work we've done for you before even being hired? Yeah, we know - impressive!
  5. File Bankruptcy Petition with the Court
    Our first action as your official bankruptcy attorney is to file a bankruptcy petition with the court using many of the documents you collected at stage 2. Once the bankruptcy is filed, an "automatic stay" is order by the court which stops all creditor and bill collector actions - everything! It's the law!
  6. Trustee Meeting
    No more than 40 days after your bankruptcy filing you will have a Trustee Meeting, sometimes called a creditor meeting. You can learn about the Trustee Meeting here, but this is usually just a meeting with the bankruptcy trustee assigned to your case as most creditors do not show up for this meeting.
  7. Financial Management Course
    About a month after your Trustee Meeting, you will need to complete the second financial management course. Generally, it is about 2 hours long and many people find the information helpful. It is required in order to complete your bankruptcy.
  8. Discharge
    This is it! You made it to the end, congratulations! You now have a fresh financial start and most of your debt has been discharged, which means it is eliminated. Creditors and bill collectors can no longer take any action against you for the debt discharged in your bankruptcy. Keep in mind there is some debt that is not eliminated by Chapter 7 Bankruptcy and you will need to take action for this type of debt.