How to file Chapter 13 bankruptcy in johnson city
Filing Chapter 13 bankruptcy is a federal right to get out of debt. To file Chapter 13 Bankruptcy, you will need to prepare the forms and take it to your local federal bankruptcy court, located in Greeneville. Although you can file on your own (pro se), it is advisable to seek the help of an affordable bankruptcy attorney near Johnson City.
- Step 1: Take the mandatory credit counseling course, prepare and submit your bankruptcy petition and plan to the federal court in Greeneville
- Step 2: Attend a meeting of creditors, submit mandatory documents to the trustee, and confirm your Chapter 13 Plan
- Step 3: Make your Chapter 13 plan payments, and continue to update schedules bsaed on changing circumstances
- Step 4: fulfill ongoing duties such as submitting tax returns on a yearly basis to the trustee.
The first step to filing Chapter 13 Bankruptcy in Johnson City is to take a credit counseling course and fill out the Chapter 13 Bankruptcy forms. Once complete, take them to the clerk in the federal bankruptcy court in Greeneville. You will be assigned a case number.
There are a number of ongoing duties during the course of the Chapter 13 bankruptcy. You must attend a hearing with a trustee, submit documents to the trustee, and get your Chapter 13 plan confirmed.
The Chapter 13 Bankruptcy plan is at the heart of your bankruptcy. It sets out a 3 to 5 year plan to get out of debt. With the help of an attorney in Johnson City, you can prepare your Chapter 13 Bankruptcy plan and file it with ease. Having an attorney represent you will also grant you additional protections from creditors prior to filing chapter 13 bankruptcy.
Your Chapter 13 plan payments will be set, and you will make those during the course of your plan. Make sure tax returns are filed and sent to the trustee. It is required to send the returns to your trustee during the course of your Chapter 13 bankruptcy.
After your 3 or 5 year plan is completed, and all your duties fulfilled, you will receive your Chapter 13 discharge. At this point you will be free of debt, other than long-term obligations such as mortgages.