How get free credit report El Paso

The counseling is usually accessible online or by phone as well as in how get free credit report El Paso person and may be an hour to an hour and a half long. The cost for this counseling is usually around $50. If you are unable to pay the fee you may qualify for free counseling. Once you have the counseling out of the way and you have all of your information together you are ready to how get free credit report El Paso file your bankruptcy with the bankruptcy court.

This is another time it’s helpful to how get free credit report El Paso obtain the services of a law office. Bankruptcy petitions and schedules can often consist of hundreds of pages of paperwork, and if filing yourself, it’s easy to miss something integral to the process. Attorneys however, can take care of all of the filing of paperwork and making sure the court has everything necessary for your bankruptcy.

After the Bankruptcy Petition is Filed When the petition has been filed, you will wait for your hearing date. The bankruptcy hearing is how get free credit report El Paso more widely known as the 341 Meeting, or the First Meeting of Creditors. This meeting takes place 20-40 days after your how get free credit report El Paso petition has filed and you must attend this meeting. It is usually the only hearing or meeting you will need to attend in order to file a bankruptcy, other than any meetings before filing that take place with your attorney. credit score The 341 Meeting is not to catch you and throw you in jail. Often the anticipation of the First Meeting of Creditors can seem a bit scary but it is simply a meeting that allows the Trustee to ask you under oath whether you have disclosed accurate information about your finances and property. Creditors may appear to ask questions as well, although it is a rare occasion when how get free credit report El Paso a creditor actually shows up at a 341 Meeting. This meeting is relatively short, and often involves a line of other bankruptcy filers who are there for the same reason. If you do not show how get free credit report El Paso up or do not bring the documents required (such as an I.D. and proof of Social Security Number), your bankruptcy may be dismissed. After the First Meeting of how get free credit report El Paso Creditors Creditors and the Trustee have 60 how get free credit report El Paso days after your 341 Meeting to challenge your right to discharge the debt. credit history report You will need to take another counseling course in how get free credit report El Paso order to obtain the discharge, but this one is slightly different from the initial credit counseling. The Debtor-Education Course consists of advice for budgeting and managing your finances and using credit wisely. It is usually longer than the pre-bankruptcy credit counseling but can also be taken over the phone, online or in person. The cost is around how get free credit report El Paso the same amount and can be from $50-$100. Again, if you are unable to how get free credit report El Paso afford the cost of the post-filing debtor education, you may be able to have the fee waived. Both courses provide certificates that include special numbers in order to avoid fraudulent counseling and certificates, so make sure you check with the U.S.  Trustee’s website to make sure the organization you are receiving counseling from is approved.

You can expect your lawyer (if you use one) to recommend a reputable company. If none of your creditors file an adversary how get free credit report El Paso proceeding to deny your right to discharge how get free credit report El Paso your debts, the court issues an order to discharge after the 60 day period has passed from your 341 Meeting. It can take up to 4 to 6 months after filing for bankruptcy to receive your discharge, but once you do you’re pretty much finished with the whole ordeal. Make how get free credit report El Paso sure to keep your paperwork and copies of the discharge because there will be creditors that somehow miss the memo and will contact you anyway. access credit report If this should occur, how get free credit report El Paso let them know when and where you have filed bankruptcy. If they need a copy of the discharge you may have to send them a copy as well, but note that it is illegal for the creditor to attempt to collect a how get free credit report El Paso debt after you have so much as filed the bankruptcy petition. If you continue to receive letters and phone calls from creditors after your discharge, be sure to forward those to your attorney, as it is illegal for them to continue to attempt to collect a debt that has been discharged.