Take the Means Test to ensure that you’re suitable. If you’re not sure, the Consumer Warrior may be able assist you in case you do not meet the eligibility requirements in the moment.
Add up all your debts. Dividing them into secured or unsecure accounts is possible. You can keep secured assets provided you keep regular payments and satisfy any exemption limit. Any debt that is unsecured can be discharged.
Filing your case will end in an automatic stay of every ongoing collection.
Complete all the paperwork. According to the video, you’ll need about 70 pages or more. Don’t leave any information out.
Your lawyer and you attend the brief creditors meeting (less than ten minutes). There will be inquiries through the trustee.
Complete financial management course, like the credit counseling course that you attended prior to the filing.
Get your discharge order. In accordance with the Consumer Warrior, student loans as well as domestic support orders, and taxes aren’t dischargeable.
Examine your credit report every two months and make sure all the discharged debt is zeroed out. vcd6sgm1iu.