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Bankruptcy Resources
Jan 19, 2015

Filing for Bankruptcy - The Process

By: Julie Koenig

The Basic Process:

The initial consultation with Julie M. Koenig is at no charge and takes about an hour.  We are in the downtown office Monday thru Thursday and at our satellite office in the Woodlands on Friday.  After the initial consultation with Julie, 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 my paralegal, Charlene Garcia, 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!

E-mail is used extensively in our office to obtain complete information.  Charlene will frequently e-mail you to obtain information that she needs.  Please feel free to call our office or e-mail Charlene at with any questions that you may have about filling out the packet.  If you have a legal question, please e-mail  to have those questions answered.

Once we have completed your schedules, statement of financial information and means test, it is sent to Julie for review.  She will review all of the paperwork and provide feedback.  Once the paperwork is substantially complete, we will contact you for an appointment with Julie to review, revise and execute the documents.  Julie 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 for five years 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.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.