Law Office of John Bristol - 1776 N. Pine Island Road, #224, Plantation, Florida 33322 (954) 475-2265
Since 1988, the Fort Lauderdale Bankruptcy Attorney Center of John Bristol has filed more than 5,000 consumer Chapter 7 and Chapter 13 Bankruptcy Cases in the Fort Lauderdale area (the Southern District of Florida). Because of his experience in the Fort Lauderdale Federal Courthouse; John concentrates his law practice only in Broward County. We offer PAYMENT PLANS and give FREE CONSULTATIONS (954) 475-2265
Chapter 7 Bankruptcy begins with the filing of a petition
The Chapter 7 Bankruptcy begins with the filing of a petition with the bankruptcy court in the district where you live. In addition to the petition, the you must also file with the court: (1) schedules of assets and liabilities; (2) a schedule of current income and expenditures; (3) a statement of financial affairs; and (4) a schedule of contracts and unexpired leases. Fed. R. Bankr. P. 1007(b). The Chapter 7 begins with the Debtors providing documents to the Court.
Additional requirements include the filing of a copy of the tax return for the past three (3) years; bank statements and pay check stubs (pay advises) 11 U.S.C. § 521. Individual debtors with primarily consumer debts have additional document filing requirements. They must file: a certificate of credit counseling and a copy of any debt repayment plan developed through credit counseling; evidence of payment from employers, if any, received 60 days before filing; a statement of monthly net income and any anticipated increase in income or expenses after filing; and a record of any interest the debtor has in federal or state qualified education or tuition accounts.
A husband and wife may file a joint petition or individual petitions. 11 U.S.C. § 302(a). Even if filing jointly, a husband and wife are subject to all the document filing requirements of individual debtors. At the Fort Lauderdale Chapter 7 Bankruptcy office of John Bristol, we prepare and file all of the required documents for you. As your Lawyer, we guide you through the entire process of a Chapter 7 case. John Bristol as your Chapter 7 attorney appears in Court with you. Information on how a Chapter 7 Bankruptcy begins was received from US Courts.gov.
The Law Office of John Bristol
1776 N. Pine Island Road, # 224, Plantation, Florida 33322
(954) 475-2265 - J@Jbristol.com
Fort Lauderdale Attorney John Bristol has filed more than 10,000 Bankruptcy cases in Florida since 1988. We concentrate Now our law practice on Chapter 7 (liquidation) and Chapter 13 (personal reorganization) cases in the Fort Lauderdale, Broward County area
You must also take a course in financial management after you file your bankruptcy case. Once you have completed the required debtor education course, you should receive a certificate as proof. This certificate is separate from the certificate you received after completing your pre-filing credit counseling. The Financial management course must be taken from a debtor education provider that is approved in the judicial district where you filed for bankruptcy. Unless the debtor education provider told you there’s a fee for the certificate before the education session begins, you can’t be charged an extra fee for it.
The U.S. Trustee Program promotes integrity and efficiency in the nation’s court system by enforcing bankruptcy laws and oversees private trustees. The Program has 21 regions and 95 field offices, and oversees the administration of bankruptcy in all states except Alabama and North Carolina. For more information, visit the U.S. Trustee Program. If you have concerns about approved credit counseling agencies or debtor education course providers, contact the U.S. Trustee Program by email at USTCCDE ComplaintHelp@usdoj.gov, or send a letter to Executive Office for U.S. Trustees, Credit Counseling and Debtor Education Unit, 20 Massachusetts Avenue, N.W., Suite 8000, Washington, D.C., 20530. Include as much detail as you can, including the name of the credit counseling organization or debtor education course provider, the date of contact, and who you talked to. for more information see consumer protection.
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The Law Office of John Bristol