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Bankruptcy: Frequently Asked Questions
Chapter 4: I've Decided to File, What Do I Do? And What is the Process Like?

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I have divided the process into 5 easy steps. They are as follows:

Step #1: Qualification:

Call my office and make an appointment. (616) 457-5100. We will discuss your situation and I will determine whether you qualify. I will answer all your questions. There is no charge for this appointment.

If you qualify and decide you wish to file, proceed to step #2.

Step # 2: Information Package:

I will supply you with my package of simple forms that will help you gather and organize your information. Once you complete the package, mail or drop it off at my office. You do not need an appointment to drop this off.

Step # 3: Review petition:

Within 48 hours I will have a rough draft of the final petition prepared. You must take this draft home overnight and read every page for accuracy. I can mail it to you or you can come in and pick it up. Please mark any necessary corrections right on the petition and return it to my office so that I may prepare a final draft. After the petition is returned, schedule your next office appointment.

Step #4: Sign petition:

We will review the final draft together. I will answer any new questions that have come up. Once we are both satisfied that the petition is complete and accurate, we can both sign it.

Your payment in full is due at this time. Now that I have a completed petition, I will file it with the bankruptcy court.

Step #5: Attend creditor's meeting:

You will receive notice of this meeting a couple of weeks after filing. You must attend this meeting. It is mandatory. If you are married and you filed a joint petition, you and your spouse must attend. Neither spouse can testify for the other. This meeting will last approximately 10 minutes. It will not be on time. The trustee will ask a few simple questions to verify the information in the petition and to determine if it really is you he is speaking to. This meeting is routine in nature and should not be a matter for great anxiety or concern. If you need a map to the meeting, click the appropriate link below:

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