Yearly free credit report Palm springs

If you receive Social Security, you may need something showing your source of income. You will also need to determine whether you are filing a Chapter 13, which sets up a payment schedule to pay off your creditors, or a Chapter 7 where you do not make payments on your debt at all. This is one of the times it is helpful to meet with an attorney, 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 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. 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 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. entitled to one free credit report per year Bankruptcy petitions and schedules can often consist yearly free credit report Palm springs of hundreds of pages of paperwork, and if filing yourself, it’s easy to miss something integral to the process. Attorneys however, can take care of all of the filing of paperwork and making sure the court has everything necessary for yearly free credit report Palm springs 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 yearly free credit report Palm springs the First Meeting of Creditors. This meeting yearly free credit report Palm springs takes place 20-40 days after your petition has filed and you must attend this meeting. It is usually the only yearly free credit report Palm springs hearing or meeting you will need to yearly free credit report Palm springs attend in order to file a bankruptcy, other than any meetings before filing that take place with your attorney. credit check for free The 341 Meeting is not to catch you and throw you in jail. Often the anticipation of the First Meeting of Creditors 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. Creditors may appear to ask questions as well, although it is a rare occasion when a creditor actually shows up at yearly free credit report Palm springs a 341 Meeting. This meeting is relatively short, and often involves a line of other bankruptcy filers who are there for the same reason. If you do yearly free credit report Palm springs not show up or do not bring the documents required (such as an I.D.

and proof of Social Security Number), your bankruptcy may be dismissed.

After the First Meeting of Creditors Creditors and the Trustee have 60 days after your 341 Meeting to challenge your right to discharge the debt. You will need to take another counseling course in order to obtain the discharge, but this one is slightly different from the initial credit counseling.

The Debtor-Education Course consists of advice for budgeting and managing your finances and using credit wisely. It is usually longer than the pre-bankruptcy credit counseling but can also be taken over the phone, online or in person. free canada credit report The cost is around the same amount and yearly free credit report Palm springs can be from $50-$100. Again, if you are unable to afford the cost of the post-filing debtor education, you may be able to have the fee waived.

Both courses provide certificates that include special numbers in order to avoid fraudulent counseling and certificates, so make sure you check with the U.S.  yearly free credit report Palm springs Trustee’s website to make sure the organization you are receiving counseling from is approved.