7 Steps to a CH 7 Bankruptcy During COVID-19

As COVID-19 continues to challenge individuals and business across the country, many people are turning to Chapter 7 of the Bankruptcy Code for relief.

Step 1.

Call Winslow & McCurry, PLLC at (804) 423-1382 to set up a Zoom Meeting or telephone call to receive your free bankruptcy consultation.  We will schedule for you a convenient day/time for the free consultation.

Step 2.

Review your financial information with your attorney during the free consultation. We’ll specifically be reviewing your income and your personal assets.

Step 3.

Provide your attorney with all of the paperwork/scanned documents requested for review and our input into your bankruptcy petition.  Missing documents or improperly completed paperwork can lead to your case being thrown out or not having some debts dismissed.

Step 4.

Review your draft bankruptcy petition for accuracy before it is filed with the Eastern or Western District of Virginia.  It is important that every question is complete, correct, and corresponds with the appropriate documentation requested.  Following your review, sign your petition and provide it to your attorney.  Your attorney may file a homestead deed to protect certain assets.

Step 5.

Take your required credit counseling course at http://www.abacuscc.org.  Ask your attorney for the Attorney Code.

Step 6.

Attend your “Meeting of Creditors” with your attorney on the date and time specified by the Court. During COVID-19, these meetings are being held telephonically.  Ask your lawyer for more information once your case has been filed.  At the Meeting of Creditors, you, your lawyer and your creditors will “appear.”  You’ll have to answer questions from the trustee and (very rarely) creditors about your bankruptcy forms and finances.

Step 7.

Provide any follow-up information to your attorney from the Meeting of Creditors.  Take your required course in personal financial management at https://www.sagepf.com/.  Approximately 2 months following your Meeting of Creditors, receive your Discharge Order which declares all eligible debts to be forgiven.  Your case is then closed.

Please call us 8:30-10pm Monday through Friday to schedule your Zoom Meeting or telephone consultation if you think this process can help you and your family.  (804) 423-1382.