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What is The Role of an Attorney in a Chapter 7 Bankruptcy Case?

Posted: November 6, 2015 by Jeffrey J. Randa

Our role here, at the law office of Jeffrey Randa, is to make you as comfortable as can be, and the bankruptcy process as simple as can be. When you call our office, we will not hound you to come in for an appointment. We will simply ask you the necessary questions, and then give you a free consultation to see if you qualify for Chapter 7 bankruptcy. Which brings us to our first role in a Chapter 7 bankruptcy case…

Figuring out if you qualify.

Qualification is based on what we call a “means test”. It is determined by household size and income. If you pass that, from there we would have to figure out what you pay for all of your necessary living expenses and see that after-words, you have no disposable monthly income left.

Determining what is best for your financial situation.

We pride ourselves on being honest and helping out everyone in the best way that we can. We will guide you in the right direction, no matter what kind of fiscal state you are in, and help you determine your best option; Whether that is Chapter 7 bankruptcy or not.

Going through everything at the appointment.

Once we know for sure that you are eligible for Chapter 7 bankruptcy, we can then move on to scheduling you for an appointment. We will send you a list of the necessary documents we need right away, to ensure that you have enough time to look for the papers and gather them. When you come in for your appointment, we go through absolutely everything with you. We gather the documents, let you know which ones we still need, and ask you all of the necessary questions. We go through all of this to make sure that you know and understand the process. We ask you the same questions that the trustee will ask you at the Meeting of Creditors, so that you will be ready and there will be no surprises. You will have nothing to worry about.

Prepare the petition.

After the appointment, it is our job to fill out the bankruptcy petition with complete and honest information. This includes schedules, statements and other forms the bankruptcy court might need.

File the bankruptcy with the Federal Bankruptcy Court.

Once the petition is complete, we will then file it with the bankruptcy court. If necessary, we will notify certain creditors of the commencement of the case. After all of that, it will finally be time for the Meeting of Creditors. This is where the trustee (and sometimes, but very rarely, creditors as well) will ask you the questions I mentioned about earlier, to ensure that the petition is indeed truthful and there is nothing being left out. Your attorney will be there with you, and we will have gone through everything to make sure the whole process runs as smoothly as possible. Your case will then be discharged, and you can start over with a debt free future.

We have a 100 percent success rate when it comes to bankruptcy. Jeffrey Randa has been a Chapter 7 bankruptcy attorney for over 25 years, and is still going strong. Not all offices conduct a bankruptcy the same way, but this is how our office does it. We make it simple for you. Contact your St. Clair Shores bankruptcy attorney today for a free consultation, right over the phone!

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