We Welcome You!
We’re excited about getting you out of debt! This page is for our clients who have already had their Free-Consultation. Please read this entire page.
TO FILE YOUR CASE:
For the Next Appointment-
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Pay The Required Fees in Full
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Take the 1-hour class through Summit Financial Classes
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Send us your documents through the Document Portal. (Or bring them to our office).
Get us these 3 things fast, so we can set a Time to Sign and File your Case!
4. FULLY READ this CLIENT FOLDER
READ AND REVIEW the FULL Client Welcome Page and 6-Page CLIENT FOLDER NOW!
If you don’t already have an appointment to bring the rest of your fees & documents, contact us now.
Read the rest of all this Client Welcome page and Follow the 4 Steps:
1. Take the Online One-Hour Class:
Credit Counseling Class-Click Here
Take the first online class as soon as possible. It only takes one hour. You must complete the entire class and fill out the end part in order to receive the certificate. The certificate is required to file your case. Take it here through Summit Financial. (This is also the same link where you will take your 2nd class later in the process).
The Next Step . . .
2. Upload Your Documents (or set a time to bring them to our office):
Document Upload Portal
In order to get your case filed, you are required to provide the documents and forms from Page 2 of the folder. (Refer also to the list of documents that was texted and emailed to you!) We will need the documents and forms listed (on Page 2) of the 6-Page Client Folder to complete your case. Document List- 6 Page Client Folder click here You MUST READ THIS FOLDER NOW!
Documents Required: See Page 2
Required PDF Format
When uploading documents to our Document Portal, it is vital to provide them in the required PDF document format. Make sure that all your documents meet this required PDF standard, otherwise, they will be rejected by the court. You can also email the documents or you can set an appointment to bring them to us. Remember, we always offer in-person appointments to scan or take your documents also. In fact, we recommend in-person if it is just as easy for you!
Creditors List Form: Click Here
Use the above creditors list to list out all your creditors. The above creditors list below can be printed out and filled out by hand. If you choose to complete the form digitally, make sure to download it first to your desktop on your home computer. (Do not fill out this document on your phone.) When the form is completed, go to “File” and Save “As” the document somewhere on your computer when you are done. Then, send the Saved “As” creditors list to us.
Every blank on the creditors list must be filled out. Make sure to include addresses for every creditors. Use your bills, notices, and memory to fill out the creditor’s list. Then, you can pull a credit report if you would like an extra check to see if anything was missed. Alternatively, we can also pull your creditors directly into your Bankruptcy Petition from the credit bureaus for $37 in a single case or $54 in a joint case. However, we recommend doing the creditors list because the results a many times better.
Consultation Forms (When Requested Only) – Click Here
When requested or on more complicated cases, you are required to also fill out these additional, detailed Forms for your case. Do not complete these on your phone: use a computer only. These forms must be downloaded first to your desktop and then “Saved As” when they are completed. If you desire to fill them out by pen instead, just print them out and then scan them back in when you have completed them.
3. Pay the Required Fees in Full to File Your Case
You must pay the required amount of fees under the contract to file your case. Pay this in full now or make smaller payments so that the amount is done by the time of your appointment. Full payment of the rest of your attorney fees must be made during your Fees and Documents Appointment. You must have all the required attorney fees paid by the Fees and Documents appointment. We will not file your case or take your documents without being paid the attorney fees.
Finish paying the attorney fees between now and your appointment time.
Make A Payment (on Attorney Fees Only)
4. FULLY READ CLIENT FOLDER
(It has important info you must know about your case, also it is part of our agreement)
Upon Completing Above 4 Steps, Set Appointment to Sign Your Bankruptcy Petition
Your case will not be filed just by getting the fees paid and getting us all the documents. You must also attend an appointment to read and sign your bankruptcy petition. If you already have a Zoom Fees and Documents appointment, your Petition signing date will be set automatically during that appointment. (It will be set if you have paid and provided the documents).
Once we have all your documents and the required fees, we will draft your petition. Your bankruptcy petition will be e-mailed to you for review. We usually also go through the whole process live on a ZOOM Petition Signing appointment. Or, if possible, you can also come to the office to sign it as this can make the process much easier and faster.
In order to sign the petition after a Zoom Petition Signing, you must sign the signature pages physically with ink at your location. Then, you must QUICKLY mail these original, ink signatures back to our office with the United States Postal Service, UPS, or FedEx. You can also drop off the original signature pages at our office. The current law (which is somewhat outdated) requires that the bankruptcy petition has original signatures provided. Digital signatures or copies on the bankruptcy petition are not allowed. If you request, we can provide a postage-paid large envelope. (NOTE: You do not need to worry about this part now, we will send you more information about this when you sign your petition).
Once we receive the signature pages in the mail, we will be able to file your bankruptcy! It is your responsibility to make sure we have all your required items. Remember, if you choose mail to finish, you must check that we received the original, ink signature pages at our office so that we can file your case.
Alternatively, you can have an appointment set to sign the documents in our office. This can be easier in many cases because you do not have to mail signature pages!
WATCH THIS VIDEO NOW FOR A SUMMARY:
After Your Bankruptcy Case Has Been Filed
After your bankruptcy petition is filed, you will receive a Bankruptcy Notice in the mail from the court. This will tell you when your bankruptcy meeting will be held through Zoom. You must attend the Zoom bankruptcy meeting. Make sure that we already have your Driver’s License, Social Security Card, your 2 most recent paycheck stubs, and your two most recent bank statements for each account. This meeting will usually be done over the Zoom. Make sure to download the Zoom App and test it quickly to make sure audio and video are both working. You will receive a date, time, Meeting Room number and Passcode. We will be on the Zoom line with you as the Trustee asks you a serious of simple bankruptcy questions.
When you receive the Bankruptcy Notice in the mail, please make sure to take the second bankruptcy class. This is the SAME provider and website as the first class, Summit Financial. This second class is called “Financial Management” (or sometimes the “Debtor Education” Class).
We will also need a bank statement update after your case is filed. Please email our office your next bank statement. This is a court requirement! There can be no gaps in bank statements: we need the full 90 days backwards right up to the day the case was filed for all bank accounts.
We look forward to working with you and getting you out of debt! We will work with you to get you debt free very soon!
