Raleigh Bankruptcy Lawyer

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(919) 627-7748

Due to Covid-19 . . .,Everything is Done Online and Over the Phone.,No Visit Necessary,Evening and Weekend Hours,18+ Years of Experience,Board Certified Bankruptcy Specialist,BBB A+ Rating,Top 3.9% Nationwide,100% Guaranteed,Payment Plans,Start a Bankruptcy with ZERO Down

Time-Line for Bankruptcy

Bankruptcy Timeline For Chapter 7 and 13

1) Free Consultation 

2) We do everything online through email, the phone, and a computer or tablet connected to the internet. If you can’t do this, you will have to find another attorney. 

3) Change banks/credit unions if you owe any money to them. DO NOT use Wells Fargo or Bank of America. If you are using either Wells Fargo or Bank of America, change your bank accounts to a different bank even if you don’t owe them any money. You can keep your original accounts; just empty them, but we don’t recommend it. 

4) Find your Social Security Card. If you don’t have one, IMMEDIATELY request a replacement. https://www.ssa.gov/myaccount/replacement-card.html – We need a copy of it.This is VERY important. A photo is fine. 

5) We need a copy of your unexpired driver’s license or State ID. This is VERY important. A photo is fine. 

6) We need copies of your last 2 years’ tax returns in PDF format or hard copy. https://www.irs.gov/newsroom/how-to-get-tax-transcripts-and-copies-of-tax-returnsfrom-the-irs 

7) We need copies of the last 6 months paystubs and bank statements in PDF format. If you don’t receive pay stubs, that is ok.We need to continue to get both until we file the bankruptcy. 

8) If you are married, and you are not filing with your spouse, take your spouse (or anyone else) off any credit cards where they are an “Authorized User”. Also take yourself off any of their credit cards. 

9) Before you get a loan, buy something of value, sell or give anything away, ask Sheree first. 

10) Fill out online questionnaire. First, fill out the form and submit it. You will be emailed a link to the questionnaire. Do a thorough job; fill in EVERY blank and be detailed. https://bit.ly/2EEfV3J It will take at least three hours to fill out the questionnaire. When filling out the questionnaire, you will need to put down: 

  1. what you owe (this includes things NOT on your credit report too.)- Use at least two credit reports, and one must be Equifax. You can pull your credit reports for free here: http://CreditKarma.com , or http://CreditSesame.com , or http://AnnualCreditReport.com 
  2. What you own – EVERYTHING – Use garage sale value, or Craigslist value , or what you could get from a pawn shop c) What you make – Gross income, before taxes d) Your expenses – If your expenses vary from month to month, use the highest amount.

11) ALL DOCUMENTS MUST BE UPLOADED OR EMAILED IN PDF FORMAT If the is not possible, please send hard copies and DON’T staple them together. If you can’t scan to PDF, you can convert them for free here: https://topdf.com/ 

12) Complete $25.00 online pre-bankruptcy credit counseling class here: https://butterflyfe.com/counseling/disclaimer/FH-14657 – You pay online to the company. 

13) Pay the upfront attorney fee (can be done in installments). Payment must be by money order, cashier’s check, or cash made out to Cameron Law (8019 Atamasco Circle, Raleigh, NC 27616). Your upfront attorney fee is: $______________ 

Send the dated and signed contract you received in the first meeting in with the payment. 

  1. MAKE SURE YOUR NAME IS SOMEWHERE ON THE MONEY ORDER OF CASHIER’S CHECK! DO NOT SEND IN THE COURT FILING FEE AT THIS TIME. IF YOU DO IT, IT WILL BE RETURNED AND DELAY YOUR FILING. The court filing for for a CHAPTER 7 is $335.00 and the court filing fee for a CHAPTER 13 is $310.00. We will send you a PayPal link for this. 14) After paying at least $300 of the attorney upfront fee, we can take creditor calls. When a creditor calls, give them: a) our name (Cameron Law), and 
  2. our number (919-627-7748), and c) say we are representing you in a bankruptcy case (Chapter 7 or Chapter 13). THIS DOES NOT MEAN YOU HAVE FILED, it means you are filing. If the creditor asks for your case number, say you haven’t been issued one yet because you haven’t filed, but you do have attorney representation and for them to contact us for everything. 

15) If you make too much money for a Chapter 7 and still want to try to do a Chapter 7, we must do the Means Test to see if you qualify for a Chapter 7. This is an additional $150.00. 

16) After you have paid the attorney fee (cashiers check, money order or cash made out to Cameron Law), finished the questionnaire, and sent in the Agreement (Contract) to 8019 Atamasco Circle, Raleigh 27616, Sheree will start working on your petition. Sheree will email you with questions as necessary. Please check your email daily. 

17) When the petition is ready, Sheree will email it to you in PDF format. You must email back any corrections and updates. 

18) Sheree will make an appointment with you to go over the petition line by line to ensure accuracy on the phone with an internet connected computer tablet.. This will be done over the phone and computer or tablet (by appointment only). This will take an hour to an hour-to three hours.

At this time you will need to pay your filing fee: $335 for a Chapter 7, or $310 for a Chapter 13. Payment must be by money order, debit card via PayPal. DO NOT pay this early. We will only take it at this time. Sheree will usually file your case later that day unless there is a legal reason not to file then. At the time the case is filed, ALL legal action stops and you will get a bankruptcy case number. For any legal action (lawsuit) to proceed, the creditor MUST go through the Bankruptcy Court for permission. This rarely happens. 

19) About a month after filing, you will have a 341 Meeting. We often call it “court”. Your meeting will only take a few minutes and is more of a formality. Due to COVID-19 it is currently being done over the phone. You will need to be in a quiet place where you won’t be disturbed – NOT driving. While it will take only a few minutes, you may have to wait hours on a call for your turn, so have your phone charged. Attorney Sheree will be on the call with you for the meeting. 

20) For Chapter 7 Clients ONLY: 

20(a) Post-Bankruptcy Class Complete the $12.00 online post-bankruptcy financial management class here: https://butterflyfe.com/education/disclaimer/FH-14657 – You pay online to the company. 

20(b) Car IMMEDIATELY after filing, Chapter 7 clients can get a car. There is no need to wait until the bankruptcy is over. We recommend “Cousin” Kera ( https://www.cousinkera.com/ 919-275-5372). She specializes in poor credit and bankruptcy car finance. She does not work for any dealer, but works for you. She does work with many dealers to get you financed. 

20(c) Discharge Typically your debts are discharged and your case closes generally 3 months after filing the bankruptcy (not your 341 Meeting).

21) For Chapter 13 Clients ONLY:

21(a) Second Online Class Take the $12.00 post-bankruptcy financial management class here: https://butterflyfe.com/education/disclaimer/FH-14657 – You pay online to the company.

21(b) Monthly Payments The FIRST day of the following month after your case was filed (not your 341 Meeting date) your monthly payment starts. This typically lasts for 5 years. 

21(b) Monthly Payments The FIRST day of the following month after your case was filed (not your 341 Meeting date) your monthly payment starts. This typically lasts for 5 years. 

21(c) Debt You cannot make ANY purchase or incur any debt over $10,000 without court permission. (This includes cars and real estate, but is not limited to just those.) You cannot dispose of any property of value without checking with your attorney and/or getting court permission. This includes selling a house or car, among other things.

21(d) Car “Cousin” Kera ( https://www.cousinkera.com/ 919-275-5372) specializes in poor credit and bankruptcy car finance. She does not work for any dealer, but works with many to get you financed.