Crumley & Wolfe can make the bankruptcy filing process as hassle-free as possible for you and your family. We understand exactly what you’re going through, and want to help however we can.
In most Jacksonville Florida bankruptcy cases, the chronology of events is generally the same. Our process is finely tuned to insure that you not only have all the information you need before filing, but that you are involved and comfortable every step of the way. No more waiting around to hear from your attorney or spending countless hours trying to get updates on the status of your case.
At Crumley & Wolfe our process is as follows:
- Attend a free consultation. At this FREE, no obligation consultation you will meet with an attorney to discuss your current financial situation. The experienced individual will counsel you on which chapter (13 or 7) is the best option for you. If the attorney feels it is not the best time for you to file or that you shouldn’t file at all, he will provide you with additional options.
- Bankruptcy cases begin with a petition. The petition is a complex document that includes a characterization of your debts. Mr. Crumley or Mr. Wolfe will file this petition on your behalf under either Chapter 13 or Chapter 7 based on information you have supplied.
- An “automatic stay” is imposed when you file for bankruptcy. This stay, mandated by the federal court, will prevent your creditors from taking any action to collect debts from you. The court will send out a notice of filing and notice of stay to your creditors. This can happen anywhere from immediately to about a month.
- Thirty to Forty Five days after you file you must attend a meeting of creditors (341 Hearing). The Bankruptcy Trustee assigned to your case conducts this meeting. Unless your case is deemed unusual, this meeting is usually brief. The trustee will ask you a few questions. On rare occasions, creditors will sometimes attend these meetings.
- If the meeting is uneventful (meaning the terms have been satisfied) one of two things will happen:
- If you’ve filed under Chapter 13: you and your attorney will have discussed a payment plan and you will receive a Notice of Confirmation of the plan in about six weeks and continue making plan payments.
- If you’ve filed under Chapter 7: you will receive a notice of discharge in about four months.