Credit agencies Florida

The counseling is usually accessible online or by phone as well as in person and may be an hour to an hour and a half long. The cost for this counseling is usually around $50.

If you are unable credit agencies Florida to pay the fee you may qualify for free counseling. Once you have the counseling out of the way and you have all of your information together you are ready to file your bankruptcy with the credit agencies Florida bankruptcy court. This is another credit agencies Florida time it’s helpful to obtain the services of a law office. Bankruptcy petitions and schedules can often consist of hundreds of pages of paperwork, and if filing yourself, it’s easy to miss something integral to the process. Attorneys however, can take care of all of the filing of paperwork and making sure the court has everything necessary for credit agencies Florida your bankruptcy. free credit report monitoring After the Bankruptcy Petition is Filed When credit agencies Florida the petition has been filed, you will wait for your hearing date. The bankruptcy credit agencies Florida hearing is more widely known as the 341 Meeting, or the First Meeting of Creditors.

This meeting takes place 20-40 days after your petition has filed and you must attend this meeting. It is usually the credit agencies Florida only hearing or meeting credit agencies Florida you will need to attend in order to file a bankruptcy, other than any meetings before filing that take place with your attorney. getting credit reports The 341 Meeting is not credit agencies Florida 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 credit agencies Florida disclosed accurate information about your finances and property. Creditors may appear to ask questions as well, although it is a rare occasion when a creditor actually shows up at a 341 Meeting. This meeting is relatively credit agencies Florida 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 First Meeting credit agencies Florida of Creditors Creditors and credit agencies Florida the Trustee have 60 days after your 341 Meeting credit agencies Florida to challenge your right to discharge the debt. how to get free credit report once a year 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 than the pre-bankruptcy credit counseling but can also be taken over the phone, online or in person. The cost is around the same amount and can be from $50-$100.