The Bankruptcy Offices of Juan Tafoya

How does someone file a bankruptcy case? In order to file for bankruptcy, an individual must take a credit counseling course to learn about alternatives to bankruptcy as well as accurately complete and file a number of documents.

Every debtor is required to appear at a creditors' meeting conducted by a trustee who asks the debtor questions about the debtor's financial condition and gives creditors the opportunity to do the same.

In some cases, a debtor may be required to appear at hearings before a bankruptcy judge.

This video explains the requirements for completing the personal financial management course which is the second debtor education course for chapter 7 or chapter 13 individual debtor after filing for chapter 7 or chapter 13 bankruptcy but before the debtor can obtain the order of discharge. Debtors are usually able to discharge most or all of their debts. Once a debt is discharged, a creditor may not attempt to collect it from the debtor.

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