hi my name is James, with EZBankruptcyForms.com
and I’m here to tell you all the steps that you need to take in order to receive
a successful Chapter 7 bankruptcy discharge without a lawyer. I’m not going to tell you whether or not to file for
bankruptcy. The assumption is if you’re watching this video you’ve already considered your financial alternatives
in you’ve already decided that bankruptcy is the best option for you. A typical chapter seven bankruptcy is going to take
a hundred days from the date you file until that day your bankruptcy is discharged.
There’s also a lot of other “stuff” that you need to do before you file. I’m here to go over all that “stuff” and all
the steps on this tutorial. It might be a little overwhelming. There’s a more detailed, WRITTEN tutorial on our web site at EZBankruptcyForms.com I know some of you are going to watch this video and say, “Very informative, but I’m going to hire a lawyer.” but i’ll tell you right now and I’ll go over it as we go along if you hire a lawyer you’re going to have to complete most of the
steps that I’m going over right now without the help of that lawyer on your own. now EZBankruptcyForms.com is a
bankruptcy software company that greatly helps in the preparation of your
paperwork but this video primarily goes over all steps to
a successful chapter seven bankruptcy discharge other the the paperwork. now the first thing you do before you file
for bankruptcy is see if you actually qualify for chapter
seven bankruptcy if you just skip this step and you don’t qualify
for bankruptcy you’re not going to know for a couple months and then your case the client would be dismissed it’s where wanted several months also say
sometime avoid exploiting it find out if you qualify for chapter seven
bankruptcy there’s a government qualifying form called
“The Means Test”. We simplified and posted on our web site easy
EZBankruptcyForms.com you can download it for free and find out if you qualify for chapter seven
bankruptcy in about five minutes now that you already know you do qualify
for chapter seven bankruptcy the next step is find out who you owe money
to What are the names and addresses of your creditors?
If you hired a lawyer, they’d get your social security numbers, and run your credit
report to get the information that way but you know you could run a credit report on
yourself for free, and we’ll show you how for free on our web site at EZBankruptcyForms.com the next step is to take your mandatory credit counseling course now this is something he’s to you on your own with no help whether you hired a lawyer or not it sounds intimidating it’s not it’s and online no of course going to take
about an hour to complete going to read about fifty dollars at the end you’re going to get a certificate
of completion and you’re going to need to file that certificate with the rest of your
bankruptcy people work now you’re your bankruptcy paid work primarily
is your assets and liabilities in writing presented to the bankruptcy trustee not your you know your liabilities it’s the
names and addresses of your creditors that you got on your credit report is rent for
yourself your absence of things like of your house
your car your clothes your bank accounts that’s a little lawyer doesn’t know all of
because only you would know what you all so if you hire lawyers that we would have
you you some sort of bankruptcy software similar to the very things up with it we’ve provided easy bankruptcy forbes dot com for under fifty dollars house is this deals with all of your personal possessions of what you
do to keep after bankruptcy you don’t want a complete tax gap in one day you want to take your time and
make sure it’s very very accurate and yet you’re going have none of it worked and when the two copies of that you want to
bring to the court get them all the hunt didn’t want to the core key want for yourself
that the courts as they did file this using own yes I did and I have your stamp to prove
it now this is a step filing for bankruptcy the denny trial the lawyer will will do completely on it completely for think that you’re on your own we’ll take about five minutes what you’re
there it’s day one of those hundred days of bankruptcy and the court clerk if you don’t apply for
bankruptcy the waiver is going to request two hundred ninety nine
dollars of that money must be any the cash or money order now you’re going to get a receipt overseas
could have four important things your case number the bankruptcy judgment the bankruptcy trustee name and you’re courtney court date which is also
known to be creditors and it’s going to be scheduled about forty
days out I didn’t want to give bankruptcy in the twenty one day for you there’s going
to be a lot of things going on in as it pertains to you what you got it remember to do he has to respond to any written correspondence
tribute to the bankruptcy court or you newly-appointed bankruptcy trustee she pressed the pair to finalise they want and it’s going to require some additional
the poor more than likely %uh buster’s taxing opening statements last month he stops and if you didn’t file all the paperwork completely on day one the court is going to just this is a case right the evidence that is
something in writing this is hey you’ve got this one paper so you had a terrible time between they wanted
for the candidate of the reported cases yes let’s beware respond to all written correspondent for the
court and I think she’s resting within the first forty days of the bankruptcy
before you meet interpreters everything’s him instantly the day fourteen is written in the predators that’s the first day that your creditors have to dispute your bankruptcy %uh in theory that’s the day that you meet
face to face with your creditors and you’re bankruptcy trustee but the reality is your creditors will not
show up to this meeting so it’ll be just you your bankruptcy trustee and if you replied to all of it corresponds
of the last forty days with your trusty you’ll be in and out of this meeting in about
ten minutes run very very smoothly for it so there is a forty of your bankruptcy as you know a bankruptcy takes a hundred days there’s a sixty-day period where your creditors can’t dispute your bankruptcy in writing so
you have to wait out at sixty days and more than likely if they didn’t show up
for your be creditors they’re not going to just be here bankruptcy in writing so you just have to
wait the six page of your paper to discharge yet one day bill with between of the interpreters and the next forty five days and that’s past her financial management course it’s very similar to the credit counseling
course the you took right before you file it’s online it’s no fails it will take the
two hours to complete it’ll cost you fifty dollars when you’re done
you’re going to get a certificate of completion you need to take that certificate of completion
needed to go back to the court and give it to ’em say the idea that that
within forty five days after you mean the creditors they just wait for the rest of those sixty
days to pass you should get your bankruptcy discharge trouble is when you figure that to discharge
papers in the mail mister fahringer credit with the rest of your
life I know a lot of you’ve lost your job and you may be considered in chapter seven
bankruptcy is one of your options this is not tell you whether it’s the best
option for you or not this is just to tell you %uh what she decided to file for chapter seven
bankruptcy what proper steps are detectors have been
history you think that she is the best option for
him my name is James I’m here for you I’m with easy bankruptcy forms dot com good luck with the bankruptcy