Within 7-10 days The clerk will notify your creditors that you have filed, send you a Notice of Commencement of Case, the appointment of the trustee, and notifies you of the date, time, and place for the meeting. You will be mailed notice of a Discharge of Debts which 'officially' relieves you of any obligation to pay your discharged debts. You truly have a financial fresh start. A few districts require you to attend a final discharge hearing where there may be as many as several hundred debtors just like you who all appear at one time to have their debts officially discharged. The discharge proceeding often resembles that of a naturalization hearing where hundreds of immigrants are sworn in as American citizens all at the same time as a 'group'.
Debtors processing their own bankruptcy without a lawyer pay the same filing fee that lawyers pay .
We help you better inform yourself about the subject matters and procedures so that you can make your own informed decisions - about the actions that affect your life. We provide petition preparer services at low cost because we are not lawyers and do not provide 'legal advice '. Instead, our service is limited to providing you with self-help information and providing quality document preparation at your direction. Bankruptcy petition preparers may not, however, give legal advice, answer legal questions or represent you in court - only lawyers may do those things. Your information will then be processed, generating all of the required forms listed above required to file and complete your bankruptcy and will be return mailed to you ready for you to sign and mail in to the court clerk's office for filing.