At this time you may want to call Skrupa Law for guidance. The Chapter 7 process is lengthy and complex even for trained lawyers because of the Bankruptcy Abuse Prevention and Consumer Protection Act. If you do hire us, you will have to attend a 341 proceeding at the federal courthouse, testify to the Chapter 7 Trustee the accuracy of the information provided in your bankruptcy petition, and allow for any creditor that may want to object to the discharging of the money owed to them to ask you questions. Most of the time no creditors show up.

Once you have completed the two credit counseling courses and attended the 341 Meeting, it can take anywhere from a few weeks to a few months for a judge to grant you a discharge of your debts. The judge will more than likely grant the discharge unless you lied or a mistake is found in the paperwork.

Note: You want your case to be discharged, not dismissed. They are not the same thing. Discharged means the bankruptcy forms were accepted and you are no longer obligated to pay back those certain debts, whereas, dismissed means the judge rejected your petition and you’ll have to try the process again if you deem it worthy.