Ogden Bankruptcy Process
Your Free Consultation
The place to start is in a free consultation with an experienced Ogden bankruptcy attorney. There's no better way to answer your questions and find out if bankruptcy is the best option you have. Your Ogden bankruptcy attorney will review your debts with you and explain to you how you can best resolve your financial problems, even if that means not filing bankruptcy.
If you decide to go forward with bankruptcy, your Ogden bankruptcy attorney will help you decide what chapter to file under and prepare the documents you will submit to the Ogden bankruptcy court.
Credit Counseling and Filing
The Ogden bankruptcy court requires all debtors to complete a credit counseling course before filing for bankruptcy. This course must be taken within 180 days prior to filing and can be completed in person, over the phone or on the internet. Your Ogden bankruptcy attorney will help you sign up for the course.
Once you file for bankruptcy, the Ogden bankruptcy court will notify your creditors and prohibit them from attempting to collect money from you. You won't get any more phone calls or bills in the mail.
The 341 Meeting
You will prepare a list of your debts and assets with the help of your Ogden bankruptcy attorney. Your assets will be listed as either exempt or non-exempt. You will keep all your exempt assets after bankruptcy. Non-exempt assets will be taken by the Ogden bankruptcy court and sold to pay your creditors. Your Ogden bankruptcy attorney understands the rules that determine which assets are exempt and can get more if not all of your property protected.
You and your Ogden bankruptcy attorney will take your list to a meeting with your creditors and a trustee appointed by the court who represents the interests of your creditors. This is called the 341 meeting. The trustee will review your list. At this time your non-exempt assets, if you have any, will be taken to be sold.
Personal Finance and Debt Discharge
After this meeting, the Ogden bankruptcy court will require you to complete a personal finance management course.
Once the Ogden bankruptcy court has confirmed that you completed the course, your remaining dischargeable debt will be removed from your financial record. You'll be living debt free!
Free Consultation with an Ogden Bankruptcy Attorney
Bankruptcy is a serious matter, that's why you need the expert service of an Ogden bankruptcy attorney. You can have a faster and more successful bankruptcy with an Ogden bankruptcy attorney on your side. Find out if bankruptcy is the answer you're looking for. Fill out a free evaluation form and enjoy a free consultation. Don't wait for financial security. Act today!
