– Hi, so we’ve probably already spoken once. Perhaps you called my office and set up an appointment or you emailed me or you went online and set an appointment. That’s all great, so what to expect, right? So here’s what’s going to happen going forward. When you come in, I’m going to give you an intake form to help me fill out some information or perhaps you’re going online and doing it now. Don’t worry about not being able provide all the information to me, that’s fine. I used to do this face to face and it’d take at least an hour just to fill out this worksheet. So the more you give me on this intake, the better off we’ll be and we’ll have more time to spend talking about things that really concern you. So first thing we’ll do when you come in to see me, is we’ll go through this intake, the intakes that we’re going to use to help prepare our bankruptcy petition. The bankruptcy petition supposed to list all your income, all your assets, everybody you owe money to. My paralegals take that intake, they’ll start working on the petition, I’ll give you a checklist of things I’ll need back. I’ll need to be able to document income, I’ll need to get any creditors that may not show on the credit report or the judgment search. I don’t need you to give me all the credit card information because I’m going to get that automatically. This is for people that don’t show on the credit report that I’ll need you to help with. I’m going to need tax returns, some bank statements, if you own real estate, we’ll need some sort of evaluation, generally just from a realtor to give us a market analysis. All these things we’ll work together on, you don’t need to be overly concerned about it. Again, the more information you give me, prior to us getting together, the more time we’ll have just to talk and work through any questions you have, and make you feel more at ease. So after that meeting, again, the paralegals will get to work. Depending on what kind of bankruptcy we’re doing will depend on what paralegals you’ll be assigned to. He or she will gather that information for me, start working on this petition and then at some point, you and I will get back together, we’ll look it over, we’ll make sure it’s okay. We probably would have discussed any potential concerns already, and then we’ll get the petition filed. Now, if its a Chapter 7 case, we’ll file, 30 days later, we’re going to go down to Newark or Trenton, or Camden in rare circumstances, and we’re going to meet with a Chapter 7 trustee. The Chapter 7 trustee is going to ask you some very basic questions. Things you don’t need to be prepared for, right. So they’re going to ask you questions about did you list everybody you owe money to? Did you disclose everything that you own? Your creditors do have a right to show up there, don’t be overly concerned about it, because they almost never show up. If they do show up, it’s something we probably know about ahead of time. At that meeting you’re going to be asked to show the trustee evidence of social security number, usually with a social security card, preferably, and a photo ID, just to make sure that it’s really you. We’ll be in big room with a bunch of other people doing the same thing that day. Again, it’s not at a court house, it’s an administrative building, nothing to be overly concerned about, it’s not overly formal, it’s not really formal at all. And everybody is doing the same thing that day. At the end of that meeting, the case generally closes 60 days thereafter. You’ll get a discharge in the mail, and the case will close in a few days, and you’ll be on your way. Any debt you had prior to the filing, you no longer owe, with certain exceptions that we’ll talk about. If it’s a Chapter 13 case, it’s a little bit different. Again, 30 days later, we’ll go meet with that trustee, the trustee will generally ask questions about what’s our plan going forward. Chapter 13 is a reorganization, you’re not just walking away, we’re reorganizing the debt. It may that we need to get caught up on past due mortgage payments or we have tax debt that we have to pay back over time, or there’s some other reason why we want to reorganize or some reason why we have to reorganize rather than just liquidating under Chapter 7. Your job is pretty much done after that meeting. In a Chapter 13 context though, we’re going to be involved, we’re going to be in the court, for probably years to come. You’ll have to be involved with us only to provide us certain information, but you never have to go to another meeting. Your job will be done at that creditors meeting, other than providing us information going forward. But similar as in Chapter 7, at some point the case will come to an end, you’ll get a discharge, any debt you had prior to the filing will go away, with those certain exceptions that we can talk about another time. But that’s really it in a nutshell. I don’t want you to be overly concerned, overly stressed, I know if you’re coming in to see me, then you’re already stressed out, trust me, when you leave, you’ll likely feel a lot better.