• We give you a price based upon what you told us and we determine payment arrangements. (If you use email, the internet, have a scanner (or can fax documents), you will get a better price.)
• If you wish to go forward, we enter into a fee agreement. All payments can be made online, by email, on the telephone, by U.S. mail, or in person. We make that part very easy, of course!
• You provide us with detailed information about your financial situation either online or by filling out our booklet questionnaire.
• You give us a bunch of documents such as paystubs, loan documents, etc. (via scan & email, fax, or snail mail).
• You pay for (about $50) and complete a financial counseling session online or by telephone with an approved agency. Sorry, it’s the law.
• We obtain your triple-merged credit report. This ensures no creditors are missed.
• We create your petition and email it to you. (If your information is significantly different from what we based your fee on, we are going to ask you for more money.)
• We make any necessary changes to your petition.
• We file your petition.
• We get a date for a “meeting of creditors” where we meet with the court trustee (creditors rarely if ever show up). We will give you a list of questions so you know what to expect.
• You pay for (about $50) and complete a “pre-discharge financial management course” online or by telephone with an approved agency. (Yes, another one required by law.)
• We meet with the trustee who: a) reviews your petition, b) looks at your driver’s license, c) looks over certain documents you bring such as current bank statements, and d) asks you certain questions (we have a list of them). In the vast majority of cases, that’s the end of it. You will receive a discharge of your dischargeable debts, sleep better, and set your newly freed up mind on the task of making the best of your fresh start.