Raleigh Bankruptcy

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The Chapter 13 Process

The bankruptcy process begins with the initial contact with the attorney and ends with the granting of the discharge and the closing of the bankruptcy case.  A brief explanation of each step in the process appears below, if you would like more details on a particular step just click on the hyperlink.

  • Initial Contact with Attorney’s Office.

  • Free Consultation with an Attorney, not a Paralegal.
  • Pre-Filing Issues Addressed.

  • Second Meeting (Collection of Documents and Information from Client).

  • Completion of Credit Counseling.

  • Third Meeting with Attorney to Review and Execute Paperwork Necessary for Filing

  • Filing of the Case.

  • Debtor’s First Plan Payment is made.
  • Attendance at the “Section 341 Meeting of Creditors.”

  • Chapter 13 — Submission of Documents to The Trustee.

  • Chapter 13 – Filing of any required Motion to Avoid Liens, or Striping Mortgages.

  • Chapter 13 — Running of Various Deadlines.

  • Chapter 13 — Objections To Claims.

  • Chapter 13 — Expiration of Various Deadlines.

  • Chapter 13 — Trustee Files Motions To Confirm Chapter 13 Plan.
  • Chapter 13 — Post Filing Issues.  Many issues can arise after the filing those can include:  Defending Against The Trustee’s Motions To Dismiss, Creditors Motions For Relief From Stay or Objection to Confirmation of the Plan.  Motions To Incur Debt, Motions to Approve Mortgage Modifications, Motions To Substitute Collateral, Motions To Sell Property, Motions To Purchase Property. 

  • Chapter 13 — Debtor Completes Plan Payments.

  • Chapter 13 — Debtor Executes Required Certifications.

  • Chapter 13 — Final Report Filed By Trustee.

  • Chapter 13 — Chapter 13 Discharged Entered.

  • Chapter 13 — Secured Creditors Send Vehicle Titles to Debtor.

  • Chapter 13 — Client Reviews Credit Report.