Creditors may appear to ask questions as well. If your case is not complicated, you may only need to go to a second hearing to obtain the final discharge. Certain property is exempt and you will not be required to give this property to the court to satisfy your creditors. Your attorney can tell you if any specific property is exempt. No, but they can ask that you pay them a deposit or other security to insure payment for future services.
Many people choose other ways to deal with their debts.
For example, setting up a trusteeship or getting help at a consumer credit counseling service. This is a plan to pay your creditors operated by the Clerk of Municipal Court in the city where you live. You must have a source of income subject to garnishment, such as wages. This is usually a much smaller amount than if you're trying to give small payments to many different creditors. Secured creditors do not have to participate.