There are many lawyers specializing in filing bankruptcy and most of them only need you to make a free phone call to them for a free consultation and setting up a date for appointment for consultation, which maybe free or charged nominally. |
At the time of your appointment, you will meet a Minnesota bankruptcy attorney who will discuss your case thoroughly with you to collect the information needed to identify with your situation along with your goals, assets, debts, income, and expenses. This information also helps the attorney to evaluate your state of affairs and offer you options while answering your queries and anxieties. They help you to understand everything about bankruptcy.
Once both, you and your Minneapolis bankruptcy attorney, are convinced that you can file bankruptcy you need to collect your bills, credentials, and other information essential for getting your case filed and mail them to your attorney. You will then have to visit your attorney for a finish-up meeting in his office three or four weeks after he has received your papers. At this meeting or conference, your attorney finishes your bankruptcy petition, which you need to review and sign and then it is filed with the Court. As a rule, Minnesota bankruptcy attorney may organize the required credit-counseling course for you.
Once the case is filed, a court order called the 'automatic stay' is issued by the Court according to which nothing can be done against you by your creditors, no suing, no garnishing, no repossessing, and no foreclosures either. They cannot even talk or harass you. After 30 days of filling your case, you and your Minneapolis bankruptcy attorney will have to attend the Meeting of Creditors or the 341 Hearing that gives the creditors an opportunity to attend and ask you questions, which they rarely do. During this meeting, the court's bookkeeper evaluates the agenda filed and examines it truthfulness. You will have to do a financial management course arranged by your attorney's office to give you useful and interesting information.
The Court usually issues your 'discharge' in about 3 months after filing your case, which says that you do not owe any bills and all your creditors forbidden from any collections. Remember that Chapter 7 bankruptcy does not work on some debts such as child support, student loans, and most taxes.
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