We are bankruptcy attorneys located in Middletown, Ohio. We specialize in Chapter 7 and Chapter 13 Bankruptcy filings.
DO I HAVE TO GO TO COURT FOR BANKRUPTCY?
This is one of the most commonly asked questions that we receive in our office, will I have to go to court and appear before a judge? In most bankruptcy cases the answer is yes, but not in front of a judge but before a trustee at a meeting called the “meeting of creditors”. The primary purpose of this meeting is to give the bankruptcy trustee an opportunity to review you petition and have you confirm under oath the information you provided in your schedules.
Knowing what to expect at the hearing can make the process go smoother and help to ease that feeling of anxiety.
WHO WILL ATTEND THE MEETING OF CREDITORS?
Usually, the only people attending the meeting of creditors are the trustee, your attorney and you. Many people are worried that their creditors will come to this hearing and harass them. Although your creditors will get notice of your meeting of creditors they usually do not attend. If they happen to appear your attorney will be with you to make sure they do not do anything inappropriate.
For Chapter 7 and Chapter 13 debtors living in Hamilton County, Clermont County, Brown County, Highland County and Butler County, Ohio their meeting of creditors will be held in downtown Cincinnati. For debtors living in northern counties such as Warren County their meeting of creditors will be held in Dayton, Ohio. The setting is an open format where you will sit with your attorney at a table across from the trustee. Other debtors may be in the room and able to hear your testimony, but do not worry about that, they are all going through the same process as you and will not judge.
This meeting is less formal than going before a judge. You will want to dress nice, but a suit and tie are not required.
AFTER THE MEETING OF CREDITORS
After your meeting of creditors you will need to complete a second credit counseling session. Once that is complete you are basically done with what you need to do and will at that point just be waiting for your discharge. Your discharge is typically issued approximately 120 days after your case is filed. You are then debt free and able to start your fresh financial life. Just remember the key to rebuilding your credit is to pay any debt that you reaffirmed on time and try not to have debts go to collection. Before you know you will have re-built your credit.
For more information check out our website at www.middletown-bankruptcy.com
Contact your Middletown, Ohio bankruptcy lawyer today for your free consultation. We offer a free consultation, fair fees and monthly payment plans. 513-422-2994.