(Chapter 7 cases)

1. Consultation with attorney’s office
2. Complete client questionnaire and retainer
3. Provide requested documents and information to attorney’s office
4. Take credit counseling course
5. Review bankruptcy petition draft
6. Meet with attorney to sign final bankruptcy petition
7. Pay outstanding fees
8. Petition filed with court
9. Attorney provides a copy of filed petition, meeting of creditors date and time, and documents to review in preparation for meeting
10. Take financial management course
11. Attend meeting of creditors with attorney
12. Sign reaffirmation agreements, if necessary, to keep automobiles
13. Discharge order received from court
14. Case closing letter received from court
15. Attorney closing letter or email received

•Note: the above is based on a standard case. Individual experiences may vary depending on a number of issues including creditors, case complexity, and type of assets.