Many people wonder what they can expect in bankruptcy court. The first thing that occurs is the meeting with a bankruptcy trustee. The meeting could take place in the trustee's office or a room in the courthouse. After this first meeting, you will receive a notice about the first meeting with the creditors. This part requires that you answer questions under oath. Creditors will ask you any questions that they need answered truthfully. The meeting does not take very long. Sometime it is less than twenty minutes.
When you arrive at bankruptcy court, you need to have the proper documents along. You will need your social security number and a state issued photo identification card. You will need the deed to your home if you own a home as well as any papers showing the total due on car loans. If you file chapter 13, you need current tax returns and paycheck stubs to prove your income.
Bankruptcy court goes very quickly. You can expect to be there for a few hours depending on how many cases there are scheduled that day. Nobody harasses you or questions your bankruptcy in the courtroom. Creditors have sixty days from the first creditor meeting to file a lawsuit to object to your bankruptcy discharge. This adversary proceeding is very rare and does not happen often. If this does happen, your lawyer will advise you if you need another court date.
After the sixty days, the clerk of court has fifteen days to send you the Notice of Discharge. Once you receive the discharge papers, keep them safe in case you need them in the future. The actual time you spend in a bankruptcy court for your particular case is minimal, but a wait time should be expected due to the large amount of cases on the docket.
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