To file Chapter 13, you will need to first draft a bankruptcy petition. Your petition will list all the property you own, any unexpired leases you have, your debts, your income, and other factors that could affect your financial situation. You will need to prepare a mailing matrix of all of your creditors, along with a proposed schedule for your payment plan. Before filing these documents with the court, you need to complete a credit counseling course. You must file your course completion certificate with the rest of your bankruptcy documents. Your case will be assigned a trustee, and dates for your 341 Meeting of Creditors and confirmation hearing. You must begin payments within 30 days of filing, regardless of whether or not your confirmation hearing has been held yet. You will also need to take a second credit counseling course within 60 days of your 341 Meeting of Creditors. From that point on, you will simply continue payments for the rest of the plan period. If you do so successfully, your case will be discharged.
CONTACT AN EXPERIENCED HENDERSON BANKRUPTCY LAWYER