Queens Bankruptcy Lawyer – Talk to a Bankruptcy Lawyer in Queens
Do you live in Queens and you’re thinking about filing for bankruptcy? Then you should look for a Queens Bankruptcy Lawyer.
What do you have to do to file for bankruptcy?
If you’re thinking about filing for bankruptcy, there are documents that have to be prepared and filed. You can download most of these forms from the court website. As an attorney, I have software that makes preparing the petition quick and easy, and so by hiring a Queens Bankruptcy Lawyer, your paperwork can generally be prepared and ready for filing much more quickly.
One of the main documents is the petition, which has includes very basic information about you and your case. In addition to the petition, there are schedules. It’s in these schedules where you will list most of your assets, liabilities, income and expenses.
You will also have to prepare a creditor matrix. This is a document that lists all of your creditors names and addresses. For a Queens Bankruptcy, this document has to be prepared in a text document (.txt) and printed out to be submitted online.
One of the other requirements to file for bankruptcy here in Queens will be the credit counseling certificate. Every individual that files a bankruptcy case must also complete and file a certificate of completion of a credit counseling course. You can complete the credit counseling course online, and the agency will email you a certificate of completion that is to be filed when you file your case.
What is the cost to file for bankruptcy in Queens?
Bankruptcy cases are governed by federal law. If you live in Queens, your bankruptcy case will be filed in the Bankruptcy Court for the Eastern District of New York – Brooklyn Division. This is a federal courthouse, and is located in downtown Brooklyn, 271 Cadman Plaza. The filing fee for a chapter 7 bankruptcy case is currently $335.00; for a chapter 13 case, the filing fee is currently $310.00.
What happens after my bankruptcy case is filed?
After the bankruptcy case is filed, you will be notified of any documents that are required but still missing. These often include pay stubs, or a local form required by the court.
Additionally, the court will advise you of what trustee was assigned to your case, and of your meeting of creditors. The job of the trustee is to ensure that you are not committing fraud, as well as to recover any property that may be liquidated to pay off creditors. At the meeting of creditors, the trustee will ask you questions about your bankruptcy case filing, including questions about your financial history.
Creditors are allowed to appear and attend your hearing. If a creditor does appear, the trustee will usually allow a limited number of questions by the creditor.
If the trustee is satisfied that there is no indication of fraud in your case, or that there are no assets to recover to pay off creditors, the meeting is usually closed, and there will be no need to go back to court. If, however, the trustee is not satisfied, wants more documents, or a creditor reveals information that was not included in the case filing, the trustee will usually adjourn the hearing for another date, for parties to provide documents and/or appear in person.
What about the bankruptcy second course?
Yes, there is a second course to complete in every bankruptcy case. The law requires that every debtor completes a credit counseling course, as well as a debtor education course. You already completed your credit counseling course before you filed your case. The debtor education course must be completed after you filed your case.
The best way to complete your debtor education course is to complete it online. Once you complete it, a certificate of completion will be issued to you, and that certificate must be filed with the court.
When does the bankruptcy case end?
About 4 months after you filed your bankruptcy case, assuming there were no adjournments or other issues that popped up, the judge should be signing your discharge order and the case closed.
After the discharge order is signed and case closed, a creditor should not try to enforce or collect a debt that existed before your filing. (There are certain debts that are non-dischargeable listed in the bankruptcy code. It is presumed that a debt that doesn’t fall under one of the categories listed in the bankruptcy code is discharged.)
If a creditor does attempt to enforce a debt that existed before you filed your case, you should advise them that a bankruptcy case was filed and discharge entered. If they continue to try and enforce it, you can then sue the creditor in bankruptcy court.
What to do if you are looking for a Queens Bankruptcy Lawyer?
If you’re looking for a Queens Bankruptcy Lawyer, then the answer is simple! Contact the Law Office of Richard Kistnen for a consultation and how to get started on your case. You can call (718) 738-2324 or email rkistnen@LORK.nyc.
If you would like to file for bankruptcy on your own, and looking for a little bit of guidance, then the Chapter 7 Bankruptcy Course may be perfect for you! With this course, I go form by form preparing a bankruptcy case, so that you can prepare and file your own bankruptcy case more confidently. You can get access to the Chapter 7 Bankruptcy Course by visiting bankruptcy.lork.nyc.