The Easiest Way to File Bankruptcy

United States courthouse.

Filing for bankruptcy does not have to be difficult or time-consuming. There are ways to file bankruptcy without the stress that is often associated with any bankruptcy proceeding. Knowing an easy way to file bankruptcy will reduce the time you spend waiting for a successful resolution, and it will help stop creditor calls by providing debt relief almost immediately. It is important to remember that the easiest way to file bankruptcy still requires some effort and energy from the filer.

Things You'll Need

• Proof of income
• Tax returns
• Credit report

Instructions

1. Contact a reputable bankruptcy attorney with experience filing quickly. Focus on larger bankruptcy-law offices that have multiple attorneys and paralegals available to help you. Going to a large office for filing assistance means that you will not be required to learn your state's filing procedures, spend time preparing petitions, or make visits to the clerk of court to file petitions, motions, and other documents. Once you find an affordable bankruptcy law firm, schedule the first available appointment and find out what you need to bring to the appointment to start the filing process the same day.

2. Bring copies of all required documents including proof of income, bank statements, tax returns, and a recent credit report (Iit will contain a list of creditors) to your appointment. Having all of the necessary documents at the first appointment will speed the filing process, making the entire bankruptcy process easier for you.

   If the appointment is only for a consultation and the bankruptcy attorney is unable to accept or review the documents during your meeting, talk to the office receptionist or paralegals before leaving the appointment. The office staff will often accept copies of documents so that a file can be started, making things easier for you during the next appointment.

3. Attend credit-counseling classes online as soon as possible. The bankruptcy act of 2005 requires filers to complete a credit-counseling course before filing for bankruptcy protection. Having a certificate of completion before, or immediately after, your visit with the bankruptcy attorney will show the attorney that you are serious about filing and will increase your chances of having your petition completed and filed quickly.

4. Pay the bankruptcy attorney all that you can, as soon as you can. Some bankruptcy attorneys set up payment plans for certain chapters. Although Chapter 13 bankruptcy attorney fees can be incorporated into the final repayment plan, filing other chapters requires upfront payment. If an attorney offers a payment plan, remember that the sooner you pay all fees, the sooner your bankruptcy case will be filed and, eventually, discharged.

5. Wait for the attorney's office to contact you about your case. Once the attorney has received all paperwork and fees, his office will take care of the rest of the work. All inquiries and court documents will be sent directly to his office. When a hearing is scheduled for a trustee and creditor meeting, you will be notified by your attorney.

   During the meeting you will be asked basic questions about the financial documents provided to your attorney. If approved, you will receive a discharge or repayment schedule in the mail.

References

• U.S. Courts Bankruptcy Basics
• LawHelp.org- Thinking About Bankruptcy? What You Need to Know Before You File.