Free credit report free Illinois

If you are unable to pay free credit report free Illinois 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 bankruptcy court.

This is another 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 your bankruptcy. After the Bankruptcy Petition is Filed When the petition has been filed, you will wait for your hearing date. free three credit report

The bankruptcy 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 free credit report free Illinois this meeting. It is usually the only hearing or meeting you will need to attend in order to file a bankruptcy, other than any meetings before filing that take place with your attorney. The 341 Meeting is not to catch you and free credit report free Illinois throw you in jail. ordering free credit report

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 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 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 free credit report free Illinois Security Number), your bankruptcy may be dismissed. After the First Meeting of Creditors Creditors and the Trustee have 60 days after your 341 Meeting to challenge your right to discharge the debt. free credit scores online You will need to take another free credit report free Illinois counseling course in order to obtain the discharge, free credit report free Illinois but this one is slightly different from free credit report free Illinois the initial credit counseling. The Debtor-Education Course consists of advice for budgeting and managing your finances and using credit wisely.