Bankruptcy Attorney in Inverness
The idea of filing for bankruptcy can be a little intimidating. What happens if you make mistakes on the paperwork? Will you be reprimanded in court for your debts? Will your employer find out? At Cutler & Associates, Ltd., we hear concerns like these every day from our clients in the Inverness area. There’s no question that bankruptcy law and procedures are complicated, which is why our clients turn to our law firm for help. Let us take care of the details for you. Your personal bankruptcy attorney will address your concerns and questions, and be by your side every step of the way as you navigate the bankruptcy process.
Deciding to File for Bankruptcy
Your first step is to schedule a meeting with one of our talented bankruptcy attorneys. Bring the requested documents so that our team can become familiar with your personal finances. Together, you and your bankruptcy lawyer will determine whether filing can benefit you, and if so, which type of bankruptcy is most appropriate.
Opening Your Bankruptcy Case
Once you’ve made the decision to move forward, our bankruptcy attorney will prepare the necessary forms and supporting documents. We pride ourselves on our meticulous attention to detail to prevent potential legal snags during the bankruptcy process. You’ll complete the mandatory credit counseling course, offered by a court-approved provider, and then your attorney can file your petition. This officially opens your bankruptcy case, and you’ll be assigned a case number.
Obtaining Your Bankruptcy Discharge
You’ll be required to attend a debtor education course after filing the petition. Following the meeting of creditors, there may be some other matters that your bankruptcy attorney must handle, such as adversary proceedings and court orders. Otherwise, you should obtain your Chapter 7 discharge relatively quickly. If you filed for Chapter 13, your discharge will be granted at the end of your repayment plan.
Attending the Meeting of Creditors
For many debtors, going to court is easily the most intimidating aspect of the process. You may feel reassured to know that most bankruptcy filers never have to appear before the judge, especially when they hire one of our bankruptcy attorneys to represent them. Bankruptcy petitioners are legally required to attend the meeting of creditors, also called the 341 hearing, which the judge won’t attend. In most cases, this is little more than a formality, and your attorney can help you prepare for it. You’ll need to bring proof of identification and answer some questions about the information in your petition. The person who questions you will be the bankruptcy trustee. Creditors are also allowed to ask questions, if they wish, but often, they don’t bother to attend.