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Mar 12, 2014
Erratic income and significant monthly expenses appear to be the cause of bankruptcy filing

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Why the Pivtorak Law Firm

Because you deserve an attorney who cares about the outcome of your case as if it were his own. As soon as you retain our office we take the overwhelming burden of your debt off your shoulders. We will speak with creditors on your behalf and explain exactly what we need to do in order to give you the fresh start that you deserve.

  • Overwhelmed with credit card debt and medical bills?
  • Do you have a second mortgage that you would like to eliminate?
  • Are bill collectors and other creditors calling at all hours?

Speaking with an experienced bankruptcy attorney can help you get the peace of mind you desire. Call today for your FREE consultation.

Bankruptcy Roadmap At-A-Glance

Below is a quick, step-by-step guide to the routine Chapter 7 bankruptcy process. Although there may be slight variations in each individual case most of our clients can rely on this being the typical course.

1. Complete a credit counseling course from an approved agency. The pre-filing course must be taken within the 6 months prior to filing your bankruptcy petition. See here for a list of approved agencies in your area.

2. The first in the bankruptcy process is the filing of the bankruptcy petition. The good news is that you can fill out most of the paperwork online! When a petition is filed, an automatic stay goes into effect, protecting you from harassment and your property from all types of collection activity by your creditors.

3. Next, you will attend the Meeting of Creditors. A typical debtor will not appear in Court, or be seen in front of a judge. In both types of personal bankruptcy, the debtor will appear at an informal proceeding, called the 341 Meeting of Creditors. This hearing, which is named after Section 341 of the Bankruptcy Code, is held 20-40 days after the petition is filed. You are required to attend this hearing and are questioned by the Bankruptcy Trustee and/or any creditors that choose to attend (although they almost never do). This proceeding is very short, lasting typically 3-5 minutes.

4. Complete your pre-discharge financial management course within 45 days of the first scheduled Meeting of Creditors.

5. Within 60-70 days after the Meeting of Creditors you will receive a discharge. A discharge is a release of the debtor from personal liability for their debt. A discharge is a permanent order directing the creditors to refrain from taking collection activity against you.


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