Filing for bankruptcy is not simply a free pass to start over, but instead requires certain duties to be carried out by the debtor. These duties are meant to help you better manage your money, so you don’t find yourself in this position again. You must perform the following duties in order for your bankruptcy to be discharged and your debts eliminated:
Surrender any non-exempt assets and credit cards
Attend 2 credit counselling classes
Report your income and specified expenses to the trustee each month so they can calculate your surplus income
Provide the necessary information to file your tax return
Make monthly payments toward the cost of administering your estate as well as make payments to creditors if you have surplus income
Provide the trustee with other financial information as required