ANSWER: It is not hard. 90% of the work is done before you even file the case:
Answer all the questions on the bankruptcy questionnaire .
Provide your counsel with your pay stubs, latest filed tax return, list of debts and assets.
Take the credit counseling course online or on the phone it takes 1.5 hours.
Your Attorney will then prepare an electronic petition (PDF for Court) through his software. You personally sign a hard copy for his master file.
Your Attorney files the case and immediately receives a case number and a creditors hearing date (between 30 to 40 days after you file) that will be held in Alexandria.
You attend the creditors hearing with your attorney with your ID and social security #.
About 90% the time the Trustee that day declares it a no-asset case and you’re about done. And your case is set for complete discharge in 60 days.
You take the 2nd class Debtor education on line/phone (takes 1.5 hours) and the certificate gets filed by your attorney.
Around 90 days after you file the court grants a complete discharge and notifies all parties and the case is closed.
As you can see, the process is not so bad, and not that long. Contact Attorney Christopher James to start your Chapter 7 Bankruptcy.