The prospect of declaring bankruptcy is a daunting one, and something you shouldn't have to face alone. Whether you're looking at Chapter 7 or Chapter 13 bankruptcy, the offices of Tara R. Cancel can help you during this stressful time in your life.
Now that your Chapter 7 bankruptcy petition is filed you may be under the misconception that you can sit back, relax, and wait for your discharge. Unfortunately, this is a misnomer that occurs far too often. There are certain steps one must take subsequent to the filing of their Chapter 7 bankruptcy petition in order to receive their discharge.
DEBT RELIEF THROUGH BANKRUPTCY IN RHODE ISLAND
The Meeting of the Creditors is a short administrative hearing, usually lasting no longer than 5 minutes. Once your bankruptcy petition is filed, your attorney will notify you of the date and time for your Creditors Meeting. Your attendance at this meeting is mandatory. The Creditors Meeting covers basic questions concerning the information set forth in your bankruptcy petition. The Trustee will quickly review your assets, debts, monthly income, and expenses, as well as any unique issues pertaining to your petition. You must arrive at your Creditors Meeting 30 minutes prior to the start time and make sure to have your social security card and license ready to present to the Trustee.. While your attorney cannot provide testimony at the Creditors Meeting, they will accompany you to the meeting.
The Financial Management Course is the second half of the Credit Counseling Course you completed prior to filing your bankruptcy petition. Like the Credit Counseling Course, this course is mandatory and must be completed within 45 days of your Creditors Meeting, or you run the risk of your case being dismissed. You do not have to wait until the completion of your Creditors Meeting to take the Financial Management Course. This course may be taken any time following the filing of your bankruptcy petition. For convenience, you may utilize the same servicer you used when taking the Credit Counseling Course. Your attorney will provide you with your bankruptcy number which you will need to complete this Course. Upon completion of the course, a certificate will be forwarded to your attorney. It is always a good idea to call your attorney within the next day or so to ensure that he or she has received your certificate.
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