Chapter 7 Bankruptcy Timeline

We have broken down the bankruptcy process into eight basic steps.    

1) Speak / consult with a bankruptcy attorney
We will discuss your options and help you decide whether you are a good candidate for chapter 7 bankruptcy. 

2) Hire Johnson & Moo
We require each client to sign a retainer agreement if they decide to hire us to file chapter 7 bankruptcy.  

3) Submit your documents
You will then need to submit your documents to us (bills, pay stubs, taxes, etc.) via email, postal mail, facsimile or in-person. 

4) Credit counseling class
Complete your credit counseling class online or over the telephone--you do not physically need to attend a class. This class MUST be completed before your case is filed.

5) We file your case
Once you have completed the credit counseling class and submitted all necessary documents, we will file your case with the bankruptcy court. The faster you can complete these first steps, the faster we can file your case. 

6) Money management class
Complete your money management class online or over the telephone--again, you do not physically need to attend a class. This class should be completed before the next step...

7) Attend your 341(a) meeting
This meeting is with your assigned Bankruptcy Trustee and takes place approximately 1-2 months after your case is filed. This hearing will be held on a weekday during business hours. You MUST appear on the day and at the time assigned. One of our attorneys will attend this hearing with you.

8) Discharge
Discharge paperwork is issued / mailed approximately 5-6 months after your case is filed. Eligible consumer debt no longer exists. Your bankruptcy is complete. 

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Also Of interest:

We are a federally designated Debt Relief Agency under the United States Bankruptcy laws. We assist people with finding solutions to their debt problems, including, where appropriate, assisting them with the filing of petitions for relief under the United States Bankruptcy Code.