Filing for Bankruptcy - The Process
By: Julie Koenig
The Basic Process:
After the initial consultation with one of our attorneys, if you decide to file bankruptcy using our firm, we will provide a packet of questions and information for you to fill out so we can prepare your bankruptcy schedules and statement of financial affairs. The key to a successful bankruptcy is full disclosure of all assets and debts, regardless how trivial they may seem to you. Once you have completed the packet you will make an appointment with paralegal Charlene who will review the packet with you. She will give you a list of additional information she needs to complete your schedules and statement of financial affairs.
Once you have retained our firm, you may tell any creditors that call to demand payment that you have retained the firm of Cooper & Scully, give them our phone number and hang up - by law they have to contact us and leave you alone. This is where the peace begins!
E-mail is used extensively in our office to obtain complete information. One of our friendly staff members will frequently e-mail you to obtain information that she needs. Please feel free to call our office or e-mail us with any questions that you may have about filling out the packet. Our firm specializes in only Bankruptcy matters, therefore anyone who answers the phone can assist you with the packet or connect you with someone who can. If you have a legal question, please e-mail email@example.com to have those questions answered.
Once we have completed your schedules, statement of financial information and means test, it is sent to one of our attorney’s for review. That attorney will review all of the paperwork and give provide feedback. Once the paperwork is substantially complete, we will contact you for an appointment with your attorney to review, revise and execute the documents. Your attorney will review all of the documents with you page by page for accuracy. The documents will only be signed once all changes and updates have been made and reviewed with you for accuracy. You are signing these documents under penalty of perjury so we work diligently to make sure that they are true, correct and accurate.
Although the schedules and statement of financial affairs are filed with an electronic signature, we are required to keep the original documents signed by you in blue ink and be able to produce them for the Court should the need arise. The only document that is physically sent to the Court (not filed electronically) is the Declaration of your Social Security number to insure that your identity is safe and secure.
Once the paperwork is completed, you are ready to file for bankruptcy.