Free gov credit report Lansing

The 341 Meeting is not to catch you and throw you in jail.

Often the anticipation of the First Meeting of Creditors can seem a bit scary but it is simply a meeting that allows the Trustee to ask you under oath whether you have disclosed accurate information free gov credit report Lansing about your finances and property. Creditors may appear to free gov credit report Lansing ask questions as well, although it is a rare free gov credit report Lansing occasion when a creditor actually shows up at 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 free gov credit report Lansing First Meeting of Creditors Creditors and the Trustee have 60 days after your 341 Meeting to challenge your free gov credit report Lansing right to discharge the debt. credit fraud protection You will need to 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 managing your finances and using credit wisely. It is usually longer free gov credit report Lansing than the pre-bankruptcy credit counseling but can also be taken over the phone, online or in person.

The cost is around the free gov credit report Lansing same amount and can be from $50-$100.

Again, if you are unable to afford the cost of the post-filing debtor education, you may be able to have the fee waived. free credit report instantly Both courses provide certificates that include special free gov credit report Lansing numbers in order to free gov credit report Lansing avoid fraudulent counseling and certificates, free gov credit report Lansing so make sure you check with the U.S.  Trustee’s website to make sure the organization you are receiving counseling from is approved. 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 free gov credit report Lansing your right to discharge your free gov credit report Lansing debts, the court issues an order to discharge after the 60 day period has passed from your 341 Meeting. It can take up to 4 to 6 months after filing for free gov credit report Lansing bankruptcy to receive your discharge, free gov credit report Lansing 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 free gov credit report Lansing you anyway. credit check free If this should occur, let them know when and where you have filed bankruptcy. If they need a copy of free gov credit report Lansing the discharge you may have to send them a copy as well, but note free gov credit report Lansing that it is illegal for the creditor to attempt free gov credit report Lansing to collect a debt after you have so much as filed the bankruptcy petition.