Chapter 7 Bankruptcy Process in California

The following is the process of filing a Chapter 7 Bankruptcy in California:

Step 1:  Complete your credit counseling course and obtain your credit counseling certificate

Step 2:  File your Chapter 7 Bankruptcy.  Make sure you include your credit counseling certificate with your bankruptcy petition and schedules

Step 3:  Mail your most recent filed tax returns to your assigned Chapter 7 Trustee

Step 4:  Attend your 341(a) meeting of creditors.  Make sure to bring your driver’s license/identification card and social security card.  The Chapter 7 Trustee may not examine you if you do not bring your valid identification and social security card

Step 5:  Complete your financial management course/debtor’s education class and obtain your financial management certificate.  Make you you file it with the court.  If you do not timely file your financial management certificate with the court, you will not receive your discharge

Step 6:  If you are financing an automobile, contact your lender to determine if a reaffirmation agreement must be filed with the court.  If your automobile lender requires a reaffirmation agreement to be filed with the court and you do not file it, your automobile may be repossessed (even if your are current on your payments)

Step 7:  Obtain your discharge

By | 2017-09-06T15:53:31+00:00 July 3rd, 2011|Bankruptcy|Comments Off on Chapter 7 Bankruptcy Process in California

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