Attorneys however, can take care of all of the filing of paperwork and making sure the court has everything necessary for your bankruptcy. After the Bankruptcy Petition is Filed When the petition has been filed, you will wait for your hearing date. The bankruptcy hearing is more widely known as the 341 Meeting, or the First Meeting of Creditors. This meeting takes place 20-40 days after your petition has filed and you check credit online Rhode Island must attend this meeting. It is usually the only hearing or meeting you will need to attend in order to file a bankruptcy, other than check credit online Rhode Island any meetings before filing that take place with your attorney.
The 341 Meeting is not to catch you and throw you check credit online Rhode Island in jail. get a free credit report without a credit card Often the anticipation of the First Meeting of Creditors can seem a bit scary but it is simply a meeting that allows the Trustee to ask you under oath whether you have disclosed accurate information about your finances and property. Creditors may appear to ask questions as well, although it is a rare occasion when a creditor actually shows up at a 341 Meeting. This meeting is relatively short, and often involves a line of other bankruptcy filers who are there for the same reason. If you do not show up or do not bring the documents required (such as an I.D. order a credit report and proof of Social Security Number), your bankruptcy may be dismissed. After the First Meeting of Creditors Creditors check credit online Rhode Island and the Trustee have 60 days after your 341 Meeting to challenge your right to discharge the debt. You will need to take another counseling course in order to obtain the discharge, but this one is slightly different from the initial credit counseling. The Debtor-Education Course consists of advice for budgeting and managing your finances and using credit wisely. It is usually longer than the pre-bankruptcy credit counseling but can check credit online Rhode Island also be taken over the phone, online or in person. The cost is around the same amount and can be from $50-$100.
Again, if you are unable to afford the cost of the post-filing debtor education, you check credit online Rhode Island may be able to have the fee waived. free credit report yearly Both courses provide certificates check credit online Rhode Island that include special numbers in order to avoid fraudulent counseling and certificates, so make sure you check with the U.S. Trustee’s website to make sure the organization you are receiving counseling from is approved. You can expect your lawyer (if you use one) to recommend a reputable company.
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