In order to start filing for bankruptcy, you should contact a qualified bankruptcy attorney. When you’re ready to proceed, your attorney will help you complete paperwork disclosing your assets and debts as well as your income. A means test will determine whether you can file for Chapter 7 bankruptcy (a discharge of debts) or Chapter 13 bankruptcy (a reorganization of debts and a repayment plan).
You will also have to complete an online personal credit-counseling course within 180 days of filing for bankruptcy that is approved by the U.S. Trustee. Credit counseling must now be completed in two parts — once before filing and again before discharge. It's easy and quick to do online or by phone. Your lawyer will file all of your paperwork and represent you in court. A trustee oversees all of the administrative tasks associated with your case. Depending on which type of bankruptcy you qualify for, you may have to pay some of your debts back or you may get them discharged, which means you're removed from the legal obligation to pay them. Bankruptcy can even help you stop foreclosure on your home or repossession of your car.
Castle Law Office has been handling bankruptcies for Kansas City clients from more than 14 years. If you need the fresh start bankruptcy can provide, call us today at 816-842-6200 to speak with an attorney. Or click here to email us and schedule your free consultation.