One of the biggest obstacles you face when you file a bankruptcy are the many bankruptcy deadlines. Some deadlines apply to chapter 7, some to chapter 13 and some to both types of cases. This is merely a general overview and does not include all of the applicable deadlines because they are simply too numerous to list. As a general matter, below are some of the deadlines you need to be aware of.
Step 1 – Meet with your attorney
Step 2 – Take your credit counseling class and get your certificate
Step 3 – Gather all your bills, social security card, driver’s license and last two years of tax returns
Step 4 – Meet with your attorney again
Step 5 – Complete all the forms
Step 6 – File all your forms with the bankruptcy court or have your lawyer do it electronically
Step 7 – Prepare for your first meeting of creditors with your attorney
Step 8 – Attend your first meeting of creditors at the courthouse
Step 9 – Provide any documents or other information requested by the trustee
Step 10 – Attend your second counseling class and get your Financial Education Certificate to your attorney
Step 11 – Wait for the objection to discharge deadline to run and wait for your Discharge notice in the mail
Step 12 – Begin making your chapter 13 plan payments within 30 days of filing your case
Step 13 – In a chapter 13 case, after you finish your plan payments, usually three years, you will receive your Discharge notice.