After the First Meeting of Creditors Creditors and the Trustee have 60 days after your 341 Meeting to challenge your right to discharge the debt. You will need to take another counseling course in 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 credit report annual Cleveland person.
The cost is around the same amount and can be from $50-$100. Again, if you are unable to afford the cost of the post-filing debtor education, you may be able to have the fee waived. annual free credit report from government 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 credit report annual Cleveland 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 proceeding to deny your right to discharge your debts, the court issues an order to discharge after the credit report annual Cleveland 60 day period has passed from your 341 Meeting. company credit report 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 sure to keep your paperwork and copies of the credit report annual Cleveland discharge because there will be creditors that somehow miss the memo and will contact you anyway.
If this should occur, let them know when and where you have filed bankruptcy. If they need a copy of credit report annual Cleveland 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 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 credit report annual Cleveland continue to attempt to collect a debt that has been discharged. free credit report and score online
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