The Bankruptcy Process: Before You File
Get Guidance from a Topeka Bankruptcy Attorney
There are a number of milestones on your journey to financial freedom.
The first step for Topeka residents is contacting a local
bankruptcy attorney to get a general overview of the benefits of filing bankruptcy.
When you have all the facts, you then make the decision to file.
It is crucial when drafting your case to make sure you are involved, so
you know what is happening. Then you file, and your journey truly begins.
You give us a phone call
In this initial conversation, we prefer to have an attorney on the line
with you for a 15-20 minute consultation. We want to see what is on your
mind – what is causing you to reach out and call an attorney.
We also spend a little time explaining the basics of bankruptcy; this is
to help get you oriented as to what we will be doing. We want you to understand
that the process does work and to give you some encouragement right from
You meet with one of our attorneys
We bring you in for a face-to-face consultation with one of our lawyers.
This is a 60-90 minute meeting. We go through your general financial condition,
using your debts, tax returns, pay stubs and other documents you provide.
We then apply the bankruptcy process to your situation. By the time we
are done, you should have a good "road map" of where the bankruptcy
will take you.
When you leave your initial meeting, we will give you a "to-do"
list, detailing the documents we need to prepare your case. The major
pieces to the puzzle are your bills and debt notices, your tax returns,
your pay stubs, and our completed questionnaire.
Our staff gathers your materials and prepares your case
You will be working with our staff to gather the documents and information
we need. Once the staff has all your material, they will organize and
prepare the file. They will then call you to set up the drafting appointment.
They usually need three to five business days between when they receive
your paperwork and when they are ready to get you in to draft.
You draft the case with your attorney
We insist that you help us draft every part of your petition. You will
have a 2-3 hour meeting with your attorney. During this consultation,
you will draft the case from beginning to end. We go through all your
material again and ask you the 185 or so financial questions contained
in the bankruptcy case. We want you to be comfortable and familiar with
all the information in your petition. It is hard work, but it creates
a polished, well-constructed petition. Good paperwork is the key to successfully
getting your discharge.
We file your case
Once we finish drafting, we can file your case. We usually file the next
business day unless there is some reason to wait. We file the case electronically
- you do not have to be present. After filing, the Bankruptcy Court issues
its automatic stay and you are protected from your creditors! The next
step is to work your way through the case.
You take the next step to recovery
Congratulations! You are now on the road to financial freedom. Get your
case number for use if you are contacted by creditors. Schedule your Trustee
meeting. If you are in a Chapter 13, get that first payment in to the Trustee.
What's the next step? Find out what happens
after you file by speaking with one of our Topeka bankruptcy lawyers.
Contact our team for the experienced legal counsel you need and deserve.