Credit report and free Eugene

Creditors may appear to ask questions as well, although it is a rare occasion when a creditor actually shows up at credit report and free Eugene 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 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 credit report and free Eugene 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 credit report and free Eugene 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. The cost is around the same amount and can be from $50-$100. Again, if you are unable credit report and free Eugene 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.  Trustee’s website to make sure the organization you are receiving counseling from is approved. monitoring credit report You can expect your lawyer (if you use one) to recommend a reputable company. If none of your creditors file an adversary proceeding to deny your right to discharge your debts, the court issues an order to discharge after credit report and free Eugene the 60 day period has passed from your 341 Meeting. It can take up to 4 to 6 months after filing for credit report and free Eugene bankruptcy to receive your discharge, but once you do you’re pretty much finished with the whole ordeal.

Make sure to keep your paperwork and copies of the discharge because there will be creditors that somehow miss the memo and will contact you anyway. If this credit report and free Eugene should occur, let them know when and where you have filed bankruptcy. If they need a copy of the discharge you may credit report and free Eugene have to send them a copy as well, but note that it is illegal for the creditor to attempt to collect a debt after you have so much as filed the bankruptcy petition. free credit report by mail If you continue to receive letters and phone calls from creditors after your discharge, be sure to forward those to your attorney, as it is illegal for them to continue to attempt to collect a debt that has been discharged. Otherwise, your bankruptcy is complete and you’re able to move on to a fresh start. Make sure you take advantage of this opportunity for a clean slate and good luck. If you are considering filing for bankruptcy, youve probably heard of the 341 Meeting or the First Meeting of Creditors. The anticipation and anxiety one could go through while waiting for this meeting is enough to drive a person crazy (if the stress of bankruptcy were not enough). I thought it would be helpful to cover briefly what this meeting actually is.

What is a 341 Meeting or First Meeting of Creditors? The First Meeting of Creditors is a meeting in which you (the bankruptcy petitioner), your attorney, and a bankruptcy trustee will essentially meet to go over the facts of the bankruptcy filing. It credit report and free Eugene is usually scheduled 30 40 days after the bankruptcy petition is filed and anyone filing a Chapter 13 or Chapter 7 will need to attend one of these meetings.

This is an opportunity for any creditors to appear that choose to do so, and either ask questions or challenge any part of the bankruptcy. Sounds scary, but creditors rarely show up and rarely challenge the bankruptcy. check credit online free What happens at the Bankruptcy Meeting? You will be sworn in and asked a series of questions that range from your name to whether the information you have provided is correct. The meeting will also be recorded by court reporter or tape recorded.

Questions you may be asked include the following: This credit report and free Eugene meeting is usually brief, and sometimes more than one is scheduled, so you may be waiting in line with your attorney with a bunch of other bankruptcy filers and their attorneys.

Tips for Surviving the Bankruptcy Meeting It is important that you do not panic and freak out and just answer the questions.