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Bankruptcy is a legal process that can help you wipe out debt and start fresh, financially speaking. Although you can complete Chapter 7 bankruptcy in about 6 months, it takes time and effort on your part to ensure you have the best outcome. There is no shortcut so, be patient as you work through the steps ensure its accuracy.  The team at Chesterfield Bankruptcy Law can answer any questions and concerns as you step through the process. 

10 Steps to Financial Freedom through Chapter 7

1. Gather the Required Documents

At the beginning of the process, you will receive a list of the documents needed to complete your Chapter 7 Bankruptcy case. Gather the documents list and return them to the office. There is a mail slot in the front door if you need to drop documents off when the office is closed.

2. Pay the Fees - In person, via mail or online

Payments can be made in person or mail, by cash, check, or money order. The office is open from 9 am to 5 pm Monday through Thursday and Friday from 9 to 3. Anyone in the office can accept a payment.

You can mail checks to the Chesterfield Bankruptcy Law address at the top. If you want to stop by outside the hours listed, please call to set an after-hours appointment with me.

You can make a debit card payment using the Make a Payment Online button on the website.

3. Complete the required “before filing” bankruptcy class online

Go to The attorney code for my office is “Chesterfieldbk.” You pay MoneySharp the $10 fee. MoneySharp automatically sends me the credit counseling certificate.

4. Make an appointment with Chesterfield Bankruptcy Law

 At this appointment, you will sign your bankruptcy documents so the case can be filed with the court.

5. Read the documents from Chesterfield Bankruptcy Law and the court

After your case is filed, I will send you information about the meeting with the trustee. The court will also send you this information by regular postal mail. Please take the time to read what the court sends you. The date and time of the meeting with the trustee is in Section 7 of the notice the court sends out. You will get 2 emails from me before the meeting with more info.

6. Provide bank statements

Send or bring in bank statements for all accounts showing the actual balance in the account on the date your case was filed. You may not have this until shortly before (or even shortly after) your meeting with the trustee. You can provide online screenshots for the date of filing, but the trustee will require actual bank statements unless the online document includes your name, account number, and the balance on date of filing. Most of the online screensots are missing one of these.

7. Attend the meeting

Appear at the meeting with the trustee at the date and time to which you have been assigned. Due to the COVID pandemic, these meetings are typically done by telephone in my office.

8. Address missing documents

If you have not provided a required document, the meeting may be re-scheduled to the trustee’s next date, or be set to be done by telephone in an extreme situation. This needs to be arranged in advance of the hearing date.

9. Provide any requested additional documents

Provide to me any additional documents the trustee has requested at your meeting if any. You can send them by email, fax, or drop them by the office.

10. Complete the "After Filing" bankruptcy class

Complete the 2 required “After filing” bankruptcy class online with MoneySharp and pay them $10. Once this is done, you can expect your discharge roughly 60 days after the meeting.

Enjoy being relieved of the burden of debt that held you back!

Bankruptcy can be the end of overwhelming debt and the beginning of the next phase of your financial life. Use the form or call 804-706-1355 to schedule a free consultation and find out if filing bankruptcy in Chesterfield is right for you.

chesterfield bankrtupcy chapter 7 bankruptcy in chesterfield
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The attorneys at Chesterfield Bankruptcy Law can help you determine if bankruptcy is the right debt relief option for you.

Bankruptcy is a last resort. There may be alternatives that can help you deal with the financial burden. Call us at 804-706-1355 for more information and to find out if bankruptcy is the best option for you.

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