This is one of the times it is helpful to meet with an attorney, credit rating check South Carolina as they can guide you in the direction that is best suited for your situation. A means test will calculate whether you qualify for a Chapter credit rating check South Carolina 7 bankruptcy and if in fact you do not meet the requirements, your attorney will advise you on your options. Before you can file bankruptcy, you will need to obtain pre-bankruptcy credit counseling.
This counseling must be completed 180 days before your bankruptcy can be filed, and must be through an agency that is approved by the Department of Justice’s U.S. The counseling is usually accessible online or by phone as well as in person and may be an hour to an hour and a half long. how to get my free credit report The cost for this counseling is usually around $50. If you are unable to pay the fee you may qualify for free counseling. Once you have the counseling out of credit rating check South Carolina the way and you have all of your information together you are ready to file your bankruptcy with the bankruptcy court. This is another time it’s helpful to obtain the services of a law office.
Bankruptcy petitions and schedules can often consist of hundreds of pages of paperwork, and if filing yourself, it’s easy to miss something credit rating check South Carolina integral to the process. 3 free credit scores
Attorneys however, can take care of all of the filing of paperwork and making sure the court has everything necessary for your bankruptcy.
After the Bankruptcy Petition is Filed When the petition has been filed, you will wait for your hearing date. The bankruptcy hearing is more widely known as the 341 Meeting, or the First Meeting of Creditors. This meeting takes place 20-40 days after your petition has filed and you must attend this meeting. It is usually the only hearing or meeting you will need to attend in order to file a bankruptcy, other than any meetings before filing that take place with your attorney. The 341 Meeting is not to catch you and throw you in jail. free credit history check online Often the anticipation of the First Meeting of Creditors credit rating check South Carolina can seem a bit scary but it is simply a meeting that allows the Trustee to ask you under oath whether you have disclosed accurate information about your finances and property.
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