What Happens After Bankruptcy?

“We’ve Been Helping People from Merrillville and Northwest Indiana Get Out of Debt for 20 Years”

Like many uncertain situations in life, bankruptcy can lead to a lot of questions. If you don’t know where to find the answers then that can lead to a lot of unnecessary stress and frustration. People tend to make poor, knee-jerk decisions when they get into these kinds of situations, which usually just end up causing more stress and frustration. If you have questions about bankruptcy then you can find the answers at the Merrillville bankruptcy attorneys, Whitten & Whitten, including answers to the question: what happens after I file for bankruptcy?

There are many steps to the bankruptcy process and each one has to play out in due course. One of the first actions taken after you file for bankruptcy will be by the bankruptcy court. The court will send notification via mail to all of your creditors that you have filed for bankruptcy. This is called a Notice of Commencement of Case. At this time all of your creditors must stop any and all collection activity against you. After this takes place, there will be a meeting, usually about 30 to 40 days from your filing date, which you will have to attend. This is called the First Meeting of Creditors and will be presided over by a bankruptcy trustee. You will be asked certain questions under oath, including details regarding your debts, assets and anything else regarding your bankruptcy filing and financial situation.

What happens next depends on which type of bankruptcy filing you choose, Chapter 7 or Chapter 13. If you select Chapter 7, then normally the court will grant an Order of Discharge between 60 and 75 days after the First Meeting of Creditors. If you select Chapter 13, then as soon as you meet all the requirements of the agreement, the bankruptcy court will enter an order setting a hearing to review the plan you proposed. Subsequently, your plan will get confirmed and approved by the bankruptcy judge. When you complete all of the terms of your Chapter 13 plan you will then receive a discharge from the court.

After you have filed for Chapter 7 bankruptcy you no longer have to worry about dealing with creditors. They are not legally allowed to continue seeking payments from you. If you choose Chapter 13, then you obviously are still making payments to your creditors so you will continue to have interactions with them. However, when you could retain a bankruptcy attorney, Whitten & Whitten, will help you with this.

Of course, you will most likely have a lot of questions regarding your options when it comes to bankruptcy, which is why you should contact the bankruptcy attorneys at Whitten & Whitten in Merrillville today. We help people in need throughout Northwest Indiana area, including those looking for a Crown Point bankruptcy lawyer, Gary bankruptcy attorney, and Hobart bankruptcy lawyers. Give us a call at 219-756-0555 for more help, or contact us online.



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We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code. This information is designed for general information only. The information presented should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. Past results and testimonials are not a guarantee, warranty, or prediction of the outcome of your case, and should not be construed as such. Past results cannot guarantee future performance. Any result in a single case is not meant to create an expectation of similar results in future matters because each case involves many different factors, therefore, results will differ on a case-by-case basis. By providing certain contact information herein, you are expressly authorizing the recipient of this message to contact you via the methods of communication provided.