Our goal is to make filing bankruptcy as smooth as possible for you.

Sometimes debtors aren’t fully educated about the bankruptcy process and due to this lack of education, debtors wait much longer than they should to seek financial counseling. Our goal is to provide you with free information to help you take the next financial step, whatever that might be. If you think the right step for you might be to file bankruptcy, don’t hesitate to give our office a call and set up a free one hour initial consultation.

This gives you an idea of what the bankruptcy process is like.

* Free one hour Initial Consultation: (Meeting with Attorney or Legal assistant to discuss what your financial options are through the process of bankruptcy).

* Gathering of documents (Statements, invoices, pay information, tax returns, etc.).

* Payment of attorney and filing fees: (Fees of attorney in chapter 7 and chapter 13 plan. Attorney fees in a chapter 7 must be paid before the case is filed, unless different payment plans as arranged).

* Credit Counseling Certificate: (This is a requirement of the personal bankruptcy process that clients go through Credit Counseling if you want to consolidate debt. Clients can either do this online or over the phone).

* Meeting to sign petition and finalize case information: (Clients to review the information provided and sign petition).

* Filing case: (Filing your case with the U. S. Bankruptcy Court).

* 341 meeting: (Meeting of creditors with trustee).

* Financial Management Certificate: (Financial management course requirement of the Bankruptcy process that clients take a financial course to get their discharge).

* Closing of case: (An uncontested bankruptcy process should take approximately 90 days).

* Payment plans under Chapter 13 bankruptcy: (Qualifying under a Chapter 13 bankruptcy, you would send plan
payments to the Chapter 13 bankruptcy trustee, not your bankruptcy lawyer in Iowa).